Bank benefits and Credit card reward programmes

Q: In Pakistan, different banks provide discount offers at different restaurants. E.g. Standard Chartered Bank provided 25% discount offer at Domino's Pizza in all outlets of Pakistan on 9th June, 2018. In some cases its up-to 50%, and sometime discount offered is for both debit and credit card. And few times the card category is restricted i.e. only Platinum and Gold Debit/Credit card holders can avail this offer. Is it halal or haram to avail the discount offer.

Q: I have a credit card.

1. I have received 245 as a bonus or gift or cash back from the bank. Is it halaal?

2. I need a loan from the bank but I don't want to pay interest from my money. Can I use the 245 which I received as a gift or cash back from my credit card to pay the interest? 

Q: Many financial institutions nowadays have rewards programs where you earn points for every swipe that you do with the credit card. Some you need to pay a yearly fee to be part of the club others you don’t pay anything. Just by swiping you earn points. Is it permissible to use these points? 

Q: Many people who receive benefits from the bank such as airport lounge access pay high bank charges or card fees e.g. Zaid’s bank charges are R300 000 for the year. After paying the bank so much in bank charges, why can he not take a R300 benefit from the bank by using the lounge facilities?

Q: I have an Islamic account with FNB and I receive ebucks for every time I swipe my card or buy things online. Please advise if I would be able to use these ebucks?

Q:

1. I have a question regarding banking. If the bank gives you $200 credit in your account for opening a new account and then charges $35.00 for bank fees every month. Is it permissible to use that $200 to pay their fees? If not, what is the correct approach to take? Should a person try to refuse taking that money or take it and give it to Sadaqah without intention of sawab? 

2. If the bank offers you a free service such as a safety deposit box for having a certain type of account is it permissible to take advantage of that? 

3. Also, is it permissible to use points earned on credit card spending to pay fines, speeding tickets, taxes etc?

4. If a person forgets to make a payment and the credit card company charges a late fee or interest. Is it permissible to use the point to pay for such fees?

Q: I recently learned about the impermissibility of the 3% cash back on the credit card. Many stores offer points which can be changed to cash to purchase in store. Is this permissible? If yes, what is the difference between points in stores and cash back on a credit card.

Q: Is it permissible to redeem Nedbank Greenbacks for cash? Greenbacks Rewards is easy to understand and easy to use. You earn Greenbacks every time you swipe your linked Greenbacks card on eligible spend.

The Greenbacks Rewards Programme has a monthly linkage fee of R17, which is charged in arrears. Choose how you spend your rewards, your rewards are automatically loaded onto your "Free Shop Card" which you can use at over 100 000 stores, withdraw as cash from any ATM and even use it overseas. The Choice is yours.

Q: We would like to know what's Mufti saabs commentary on FnB Islamic banking?

Q: My question is that if there are points offered by Credit Card, can we use them or not? Are they haraam or Halaal?