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Paying for a sacrifice by credit card in instalments

تقسيط الأضاحي عبر البطاقات الائتمانية

A question about paying for a sacrifice by credit card in instalments, in which Jordan's General Iftaa Department answered that the sacrifice is a sunna for those who can afford it and is valid from someone who borrows for it; buying it with a credit card backed by funds is unobjectionable, and with an unbacked card it is permitted on three conditions: no interest increase, no late-payment fine, and no price rise by the merchant because of the card commission. The Department answered that the sacrifice is a sunna for those able to afford it and is not asked of others, though if someone burdens himself and borrows for it, his sacrifice is valid. It quoted al-Nawawi in al-Majmu (8/383) that the sacrifice is an emphasised sunna and a visible rite that those able should keep up, and becomes obligatory only by a vow. It said that buying the sacrifice with a card backed by sufficient funds is unobjectionable; with an unbacked card the amount paid is effectively a loan, and the purchase is then permitted on three conditions: the issuer does not stipulate any interest increase on the amount, does not stipulate a fine for late repayment, and the merchant does not raise the price because of the commission the card company takes from him. It concluded that buying sacrifices in instalments through credit cards is generally valid if these conditions are met, while judging a particular card requires examining its terms in detail.

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Summary

A question about paying for a sacrifice by credit card in instalments, in which Jordan's General Iftaa Department answered that the sacrifice is a sunna for those who can afford it and is valid from someone who borrows for it; buying it with a credit card backed by funds is unobjectionable, and with an unbacked card it is permitted on three conditions: no interest increase, no late-payment fine, and no price rise by the merchant because of the card commission. 1

The question

The questioner asked about paying for sacrificial animals in instalments by credit card: the customer pays the organisation with his card and repays the bank in three monthly instalments without interest. 1

The answer

The Department answered that the sacrifice is a sunna for those able to afford it and is not asked of others, though if someone burdens himself and borrows for it, his sacrifice is valid. It quoted al-Nawawi in al-Majmu (8/383) that the sacrifice is an emphasised sunna and a visible rite that those able should keep up, and becomes obligatory only by a vow. 1 It said that buying the sacrifice with a card backed by sufficient funds is unobjectionable; with an unbacked card the amount paid is effectively a loan, and the purchase is then permitted on three conditions: the issuer does not stipulate any interest increase on the amount, does not stipulate a fine for late repayment, and the merchant does not raise the price because of the commission the card company takes from him. 1 It concluded that buying sacrifices in instalments through credit cards is generally valid if these conditions are met, while judging a particular card requires examining its terms in detail. 1

About this record

Jordan's General Iftaa Department published this fatwa on aliftaa.jo as no. 3774, dated 20 June 2023. 1 The museum records this text as a historical document attributed to the body or scholar that issued it; it issues no ruling of its own.

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Slaughter (dhaba'ih): the lawful killing of animals for food in fiqh· Riba in the rulings: the forbidden excess in exchange and in delay, its kinds, its causes and its rulings

People and things also explored

A charity accepting a commercial bank's support in return for thanking it in posts· A loan whose interest is paid by another party· Administrative fees on an interest-free loan card· Appointing an agent for the sacrifice outside Jordan· Arranged invoices to obtain cash from Islamic banks· Buying an online game account in instalments· Buying an animal priced by the weight of its meat after slaughter· Buying the sacrifice and delegating its slaughter by phone

Sources

  1. Jordan's General Iftaa Department (aliftaa.jo) , fatwa 3774

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islam.museum contributors. “Paying for a sacrifice by credit card in instalments”. islam.museum, https://islam.museum/en/work/fatwa-aliftaa-jo-paying-for-a-sacrifice-by-credit-card-in-instalments/. CC BY-SA 4.0. Last updated 2026-11-02.

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A charity accepting a commercial bank's support in return for thanking it in posts

A question about a charity accepting support from a commercial bank in return for thanking it in posts, videos and advertisements, in which Jordan's General Iftaa Department answered that donations from interest-based banks may be accepted if no promotion is required, that thanks given orally or by letter are fine, and that thanks through advertisements and posts are forbidden because they amount to promotion. The Department answered that promoting and advertising banks and financial institutions that deal in usury is forbidden, because it is assisting in what is forbidden. It said there is no objection to dealing with someone whose wealth is mixed between lawful and unlawful, or even mostly unlawful, so his gift or donation may be accepted unless the specific money given is known to be unlawful, provided this is not tied to promoting the donor; it quoted Ibn Hajar al-Haytami's answer in al-Fatawa al-Fiqhiyya al-Kubra that dealing with someone most of whose wealth is unlawful is disliked unless the unlawful item itself is known. It distinguished ways of thanking a supporting bank: oral thanks to its management, or a letter of thanks, are unobjectionable; thanks published in advertisements and videos are not permitted, because they amount to promotion. It concluded that donations from interest-based banks may be accepted if they do not require promotion, but are forbidden if given in return for promotional work, such as thanks in posts and advertisements.