This study aims to analyse the two main aspects of credit cards, namely, the selection factors and the impact of credit cards. In particular, the differences between Islamic Credit Cards (ICCs) and Conventional Credit Cards (CCCs)in the two aspects are explored. The selection criteria are investigated in various factors, including those that explain the first motivation for credit card holding, selection factors influenced by the credit cards' embedded features, the difference between the satisfaction and the loyalty level of CCC holders as compared to ICC holders, the customers' perceptions...