Bank benefits and Credit card reward programmes

Q: I have the following queries regarding the U Count rewards from Standard Bank. I do earn these points but do not use them as per your previous fataawa that I read on your website. 

My questions are as follows: 

1. Can I purchase items from the U Count participating retailers e.g. Makro and give these items to my helper who is a non-Muslim or any Muslim person or any Muslim organization e.g. a Muslim orphanage? 

2. Can I purchase items for me e.g. R1000.00 using the points and then take R1000 in cash and give it away to any Muslim, non-Muslim or any Muslim organization?

Q: I receive ebucks via FNB when I buy from Takealot, or fill fuel or if I buy from Checkers with my virtual card. Is it permissible to earn these ebucks and to use it to pay bank fees, fill fuel etc.?

Q: Is receiving free services from a bank like: being able to receive my income in my current account and pay with the debit card associated considered riba? 

My bank does not have account maintenance fee and offer these services.

Q: Is profit earned by using Islamic banking halaal or haraam?

Q: Here in Saudi Arabia, there is a bank called Al Rajhi that offers a savings account where you can deposit money without earning any interest. They also conduct lucky draws for account holders, and I want to ask if the prize money from these draws is considered halal or haram.

Q: Incentives offered by car dealers to bank employees for referring bank auto loan customers is Halal or Haram. They offer a specific amount from their own profit and not caused any loss to bank or its customer.

Q: Kindly please advise.

My husband has a credit card which he uses to do transactions and alhamdulillah all these transactions are interest free. He uses it for convenience so he doesn't need to carry cash. By using this card he earns ebucks points which have accumulated and will be very valuable in purchasing necessary appliances in the home. Is the purchasing of these items with the ebucks points permissible?

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?