It works with purchases like cars and property, but i dont see how it can work with credit cards. The banks purchase it on your behalf and re sell it to you with a pprofit and then you pay thme monthly until the end of the loan, it does end up costing more than a normal bank, especially if you pay it off early. credit cards though get a bit complicated, i would be interested to know how banks here do that.

We took out a loan from an islamic bank in aus but they dont provide credit cards, only loans for properties and vehicles.