Ruling on discount cards

Dear Brothers & Sisters,
As-Salaamu-Alaikum wa Rahmatullahi wa Barakatuh. (May Allah's Peace, Mercy and Blessings be upon all of you)
One of our brothers/sisters has asked this question:
Some companies and hospitals issue discount cards. This is a card which is given to whoever wants one in return for a sum of money paid annually, and the carrier of the card can get some discounts or free examinations during the year. If after one year he has not used the card, he does not have the right to ask for the money that he paid to be returned.
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Praise be to Allaah.

Shaykh Ibn Baaz (may Allaah have mercy on him) was asked about the ruling on issuing these cards and dealing in them. 

He replied: 

This is not permissible, because it involves ambiguity, gambling and a great deal of risk, so we should avoid it. And Allaah is the source of strength, 

Whatever written of Truth and benefit is only due to Allah's Assistance and Guidance, and whatever of error is of me. Allah Alone Knows Best and He is the Only Source of Strength.

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