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Are Credit Cards Haram in Islam? The Truth About Riba | Sayed M. Baqer Al-Qazwini

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Are credit cards halal or haram in Islam? Is using a credit card considered riba (interest)? What does Islam say about modern banking and debt?

In this important lecture, Sayed M. Baqer Al-Qazwini explains the Islamic perspective on credit cards, interest (riba), debt, financial responsibility, and how Muslims can navigate modern financial systems while remaining faithful to Islamic teachings.

Many Muslims living in the USA, UK, Canada, Australia, Europe, India, Pakistan, Africa, and the Middle East regularly ask:

• Are credit cards haram?
• Can Muslims use credit cards?
• Is credit card interest considered riba?
• What does Islam say about debt?
• What is the Islamic ruling on modern banking?

This lecture provides practical guidance based on Islamic principles and discusses how believers should approach financial decisions in today's world.

Watch until the end to understand:
✓ Credit Cards in Islam
✓ Riba and Interest Explained
✓ Islamic Finance Principles
✓ Debt and Financial Responsibility
✓ Halal and Haram Financial Practices

Speaker: Sayed M. Baqer Al-Qazwini

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12 Comments

@ShiaUpdates110 Creator 1 month ago Pinned

Have you ever used a credit card? After watching this lecture, has your understanding of Riba and credit cards changed? Share your thoughts below — we'd love to hear different perspectives.

@SyedJafar110 1 month ago

Wah masha allah sayed really need this I was searching for the same but clear the concept

@jamesabdul6870 1 month ago

Thank you Sayed Mohammad may Allah bless you ❤

@Joshdavised 1 month ago

Interest riba ruins peoples lives its so hard to avoid when you have been tempted for worldly junk which you can not afford may Allah keep us steadfast and restrain ourselves from consuming riba

@hallirusufyan 1 month ago

Very interesting thank u sheik
Pls sheik talk about forex trading

@hafizainthemaking 1 month ago

Asalam alikum. Willfully interesting taking interest and then coming to fostrate people who poorer than than them. Thank you for the enlightenment.

@AyanAbbas-e2g 1 month ago

Asalaam alaikum wa rahmatullahi wa barkaatahu. I would recommend changing the thumbnail; it looks very clickbait and annoying. It would discourage people from clicking on this very important video

@shaguftashireen7736 5 days ago

So in short what i do when i need to use credit in emergency where i am unable to pay on time then convert into emi,usually i use credit as debit card but sometimes situations where i have to use huge amount and pay in emi,please help me ,btw i am new shia from sunni

@RazaAbbasBolton 1 month ago (edited)

24:00 question for Syed if it can be relayed to him. The person who takes a loan with the intention of not paying back is considered as a thief. However, this is also a solution to make the loan jaiz, as advised by Syed.

@rabbannibey1128 1 month ago

As Salaam Alaikum wa Ramatullah Sayed Muhammad Baqer Al Qazwini...I seek refuge in Allah from Satan the Accursed one.

O Sayed Muhammad, it is my belief that I may have a solution for the Ummah of Muhammad sawa or at the very least to go into a different direction in order to not have to take from Riba in this country and that there is a way where We can have Our own Islamic monetary system and have it backed by a commodity like how the dollar was once backed by gold/silver. We can do the same. But We must form "Tribes" or become "little nations" and build a separate economy from the economy here in the [U.S.] since it deals in usury. Is there a way We can talk about this? Bcuz if We are making War with Allah swt like how you say by taking usury then let's stop fighting Him awj NOW!! In shaa Allah.

@lcferrferr6811 1 month ago

Anyone who says Halal is a fool

@FantasiaAndalusia 1 month ago

The biggest number one major sin is not having a leader and if you want respect you need astronomy program for Muslims to be the best in it in the world