Abstract
The analysis focuses on the substantive structure of the Islamic Credit Card (ICC) in light of maqasid al‑shariah, with emphasis on the dimension of wealth. The study adopted a qualitative research design, with data collected through both primary and secondary sources. The primary data comprised semi-structured interviews with six experts, while the secondary data included Qur’anic verses, Prophetic narrations, and scholarly journal articles. Thematic analysis was conducted using NVivo version 15 to extract relevant themes. Applying the rafʿ al‑ḥaraj framework, the findings reveal that the Islamic Credit Card (ICC) facility aligns with the objectives of maqasid al‑shariah, which seek to promote maslahah (benefit) and eliminate mafsadah (harm). Moreover, the analysis underscores that beyond technical compliance, the ICC structure embodies substantive alignment with shariah principles by reducing hardship, facilitating human welfare, and ensuring ethical transparency in consumer credit. The study further highlights that the ICC provides greater financial accessibility, enabling consumers to manage liquidity needs without compromising ethical principles. By embedding safeguards against harm, the ICC promotes responsible consumption and supports cardholders in achieving maqasid al-shariah realization. Ultimately, the study offers essential guidance for stakeholders, particularly regulators, in shaping directions that align with cardholders' interests: to safeguard systemic stability and to empower individuals with the extensive knowledge necessary to make ethical, informed financial decisions.