A type of murabaha (cost-plus sale) which is established on the basis of mark-up over the actual purchase price incurred by the seller with the condition that the buyer will pay this price (the original purchase price plus a specific mark-up) in the future. This transaction is derived from the traditional concept of ba’i al-murabaha, which is settled in cash payment of the price at the trade date, with the seller having to disclose to the buyer the original cost of the underlying asset/commodity, while adding a specific profit amount. Credit murabaha stands apart just in terms of credit payment at the trade date. In this case, the potential buyer promises to purchase the underlying on the understanding that the contract will be based on full or partial credit terms.

Credit murabaha (or deferred murabaha) is the opposite of cash murabaha.