What is the most important thing I need to understand before getting an Islamic credit card?

Understand where the card's cost comes from.

Steps

1. Ask for the fee schedule, how purchases, installment payments, and cash withdrawals are processed, and what happens if payments are late.

2. Then compare the credit limit, repayment period, and benefits.

3. Don't choose a card just because it says "Islamic"; choose it because you understand its terms, costs, and how to use it.

The figures, fees and limits in this answer vary by bank and change over time — confirm them with your bank or the official source before acting.

Source

• AAOIFI — Sharia Standards

• Central Bank of Egypt — Payment Cards