Praise be to Allaah.
It is not permissible to open an account in a riba-based bank
except in cases of necessity to protect one's money when there is no Islamic
bank. In that case it should be limited to a current account, so as to
reduce the evil as much as possible.
If your work puts the salary into a riba-based bank, then you
should try to change it to an Islamic bank if there is one. If your work
insists on that, then the employee has to withdraw the salary as soon as it
is paid into the bank, then keep it or put it in an Islamic bank. In that
case there is nothing wrong with leaving some money there so that the
account will remain open.
It is permissible to use a credit card if it is free of the
Stipulation of interest or a
penalty in the case of late payment
Charging of fees for issuing a
non-covered credit card that is higher than the actual costs
Charging a percentage for
withdrawals in cases where the credit card is not covered; it is permissible
to charge the actual costs only and anything more than that is riba
Buying gold, silver or currency
with the non-covered credit card.
The Islamic Fiqh Council has issued a statement concerning
this matter. Please see the answer to question number
97530. If any of these
reservations apply, then it is not permissible to deal with the credit card,
even if the aim is to use it for limited purposes as you mention, because
signing an agreement to riba and committing to it is haraam and is not
The fact that the salary will be delayed for a few days is
not regarded as a case of necessity which would make it permissible to deal
with a riba-based credit card.
Based on that, we do not think that it is permissible to
apply for the riba-based credit card for this purpose.
And Allaah knows best.