s long as history of economic transaction, some mediums has been done to access in payment, start from traditional way until the modern one. Before money appears in human life, transaction has been done by doing barter. Because of the difficulty in similarity and the differences in fulfilling what human need (double coincidence of wants), money appear as one medium to exchange which more efficient and effective. Money has been known widely as its role or uses in economic system and is considered as fundamental necessity in each of economic transaction. Along of time, money has a barrier. The use of money in large amount become takes a risk when it was brought anywhere, it is one reason robbery,
looting, and forgery appears. That is why, the decrease occur in using cash money. Finally, the card that look like a plastics is made, it’s commonly know as credit card which substitute function of money as payment tool. The development of the modern financial system has born credit card. So, the human economic activity becomes efficient. It also there is no exception in appearing Islamic credit card or it is well known as Islamic credit card, as a consequence of the development of Islamic banks. Base on the function and its physical, conventional credit cards have similarity with Islamic credit card. The main differences can be seen where Islamic credit card does not use rate system. Beside that Islamic credit card used skim which suitable with Islamic Syariah.