Title: Use of online payments from bank Apps or third party payments Apps

Question: Now days, I am using online Apps for payments such as Phone Pay, Google Pay and bank associated Apps etc. They returned some token amount or coupons as a gift for using these Apps, like 20% cash back when we order food from Swiggy or Zomato Apps. Or 50% discount when we purchase clothes from Blackberry Stores. Is the use of these Apps like Google Pay, Phone Pay and bank associated payments Apps are halal? If halal, so can we use the rewards of these Apps in the light of Quran and Hadith?

Answer ID: 183061Posted on: Oct 21, 2021

Bismillah hir-Rahman nir-Rahim !

(Fatwa: 18/B/SN/7/B/Mulhaqa=3/1443)

The definition of interest does not apply to cashback or discounts received on purchases made through these Apps, but falls into the category of rewards. Therefore, it is allowable to take advantage of them.