What kind of contracts banks enter into at the time of issue of islamic Credit card?

1 - A general credit card Contract detailing payment schedules and APR, and profit margin

2-  This also shows the commodity being used in the transaction (making it Islamic)

3 - An promissory note duly signed by client ( in the case of loans)

4- The method could be a Murabaha contract or Tawarruq (If the client doesn't pay in full)

5 - The idea behind this is that all parties (The bank, client, and commodity provider benefit)