Bank benefits and Credit card reward programmes

Q: Using the FNB global account/card, is it permissible to use the airport lounge benefit? No charge per month. No minimum balance required.

Q: What is the Shariah status of the Islamic Savings Account that one can open at FNB? One does not receive any interest but a portion of the profit is periodically credited by the bank to such an account?

The Bank claims that a board of top Ulama have investigated the account and have granted approval.

Q: I am using FNB Islamic Banking and got a savings account where I got some money in that account.At the end of every month FNB gives some amount as your Islamic Profit Share of the amount that you got in savings account. Is it halal to use that money?

Q: The bank that I use sometimes gives out vouchers for completing certain tasks such as a quiz or swiping your card a certain amount of times etc. Is it permissible to use these vouchers?

Q: I have an Fnb Islamic cheque account which has with it a savings pocket account. Every month, depending on how much is in my savings pocket, I receive a profit share. Is this profit share amount permissible to use?

Q: An online store offers a discount, say 10%, if the buyer pays using a credit card. The discount is not available if the buyer pays using other means such as a debit card. Following are the questions:

1. Is it jaiz to avail this discount?

2. If it is not jaiz to avail this discount then what should the buyer do in case he has already availed this discount in the past?

3. If the only mode of payment offered by the store is credit card and a discount is being offered on a specific card, say VISA, then will it be jaiz to make payment using this credit card?

Q: Where can I spend bank interest money, cashbacks, etc.? Can I donate this money to charity?

Q: A few months ago, a technology company that makes and profits off smartphones and other devices (Apple) partnered with a US bank to offer a credit card.

The bank is responsible for all of the banking aspects, and the credit card is like any other one from a consumer perspective, offering cashbacks and rewards for certain purchases. However, these rewards are decided by the technology company, not the bank, such as discounts when purchasing that company's own products.

Given the the card is offered by a technology company, it's possible that the company pays for the difference instead of the bank. This would mean that unlike traditional cards, this one may not be paying for the discounts using interest earnings. Would using the benefits of this credit card be permissible?

Q: I am living in United Arab Emirates (Abu Dhabi). Here, there is a scheme available in the Banks by the name of "National Bond". In this scheme, I have to buy some bond with the minimum of 5000 Dirhams. This 5000 Dirhams will always be with the bank until I withdraw it. Every month the bank will have a lucky draw and the winning price will be 100 000 Dirhams or 1 Kg of gold, etc. If I withdraw the 5000 Dirhams then I no longer qualify to participate in the lucky draw. Is this halaal or haraam in Islam?

Q:

1. When purchasing goods via a credit card, I received 1 rupee on every purchase of 200 rupees. Is this permissible or not?

2. Different offers are available on credit card and easy paisa accounts everyday. If we purchase and make some payments and order some food via the credit card and easy paisa account, then we will receive a special discount or cash back. Is this permissible or not?

If this is "sood" then what is best use of this amount.