Interest and Gambling

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.

Q:

1. Are all forms of insurance haraam in the west? If a person doesn’t have car insurance in a western country and they have an accident, they have to pay $10,000 to cover the costs of not only their own vehicle but the other vehicle if it is their fault? Where can a Muslim who doesn’t have insurance, get all that money from?

2. Is medical/dental insurance haraam in the west? There are Muslims in the west that live with their elderly parents and they always have to go to hospital and if they didn’t have medical insurance, they would have to pay so much thousands of dollars of money that they simply wouldn’t have it. Where would they go to get their medical treatment. Would they do nothing?

3. Many people say that when you earn money in the west and go to banks to withdraw that money, that money is interest money which the bank runs on so you can’t do anything?

Q: I had an accident and in a claim I received some money from the insurance company of the other party and there is some amount of injury as well but I didn't get any injury.

I just wanted to now whether I can use that money or not. If no, can I give that to anyone who is in need and not eligible for sadaqa?

Q: Person A gives person B his interest money declaring it as such. Person B gives person C the money declaring it as such, appointing person C a representative of the poor. Asks person C to dispose of the money. Is it jaaiz for person C to use the money for person D children school fees without declaring it as interest?

Q: We live in a country, where it is impossible to buy a house on a full amount, it is more expensive than Europe. My husband is religious and wonts take a mortgage. We have been married for 2 decades and wasted lots on rental property, and the headaches that come with it. Buying ones own house is a basic necessity and advised by scholars, elders, alike if possible.

1. Is buying a house in installments permissible in Islam? From a real estate developer?

2. Can one use an installment plan which is jaiz, from a bank such as Al Rajhi bank?

Q: I want to buy a house under the right to buy scheme but cannot get a halal mortgage. I have found no Islamic bank that offers a halal mortgage for government schemes. Please advise if I can use abnormal bank. 

Q: We got a message that we were chosen as the winners of Canada Coca-Cola's new year lottery. They were promised to give us some dollars. Is it halal for us? 

Q: What to do with interest money?

Q: Can interest money be used to pay tax (SARS)? What else can interest money be used for, payment of fines? 

Q: I wanted to enquire about Credit Card Rewards. I have a credit which is Shari'a Compliant as per clear statement from the bank:

Bank FAQ's

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Q. Is the card Shari'a compliant?

A. The Emirates Islamic cashback is fully compliant with the Shari'a principles. The card does not charge any interest to customers. As such, the bank charges a fixed monthly fee for extending various features and benefits to customers.

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My question is as per your fatwa before, you said all cashbacks coming from credit cards are haraam?

1. What about this? Is this card cashback still haraam?

2. If it's haraam, please tell me how? Based on your answer I will decide to scrap the card or not.

3. Is there a difference of opinion between the four madhabs?