Knowledge of credit card usage among government employees

The concept of sharia-compliant credit cards is growing rapidly, especially in relation to major Islamic economies such as Malaysia. Credit cards are one of the tools or
products that have been introduced and offered by Islamic banks in Malaysia that are based on several types of contracts according to Sharia. Some Islamic banks use ujrah
contracts to avoid contracts that have elements of bay al-inah and tawarruq. According to (Xia et al., 2023), this element has been rejected by most Islamic scholars according to Hambali, Maliki and the Hanafi school and contemporary scholars. The use of credit cards for non-Muslims is intended to simplify life and the economy which gives advantages to the holder. However, the use of credit cards for Muslims was chosen to be competitive with conventional banks and to apply activities based on Islamic Shariah as well as exposure to the concept of using credit cards that comply with the principles and objectives of Shariah (Xia et al., 2023).