The topic is about credit rate in Islamic banking The credit rate is actually meaning that the purchasing of a good or commodity at a specific rate and then they are going to sell the specified commodity at different price to the customer mean charging some interest on the customer, the interest which is charge from the banker to the customer is strictly prohibited in Islam. The objective of the study is going to find out the perception of people toward credit rate, to find out if the credit rate is strictly prohibited in Islam, to find out the influence of socia-economic and demographic factors on the perception toward the credit, these are the objectives which are circulated in the topic. The research methodology is on The base of data which is collected the primary data through questionnaire from the different countries respondents The sampling area is the international students of Chandigarh university how are studying in different field of education departments of the university. The overall research is going to indicate that credit rate is going to affect to demographic and social culture of the people and the country who are doing the credit rate for the purpose of the profit but actually they are doing the loss because Allah said in Quran (the one how is doing credit rate they think that they are doing profit but actually they are not doing profit they are doing loss an d the hell is waiting for them).