Loan Against Commission for MasterCard Use

Question

A cashier is offering to lend their MasterCard to clients who do not have one, charging a fee of 1,000 dinars for the service, while the actual cost of the transaction is less than that amount. The question is about the permissibility of this practice and what happens to the remaining amount.

Answer 1

Peace be upon you. The esteemed Ayatollah Khamenei and Ayatollah Sistani have stated that the mentioned arrangement is insufficient to remove the transaction from being considered a usurious loan. May you be successful in all good.