They are actually playing with coustomers. Even I took my Lulu Card and no body told me that 10% discount is for first 5000 QR. They told me that 10% discount is upto 31-Aug-11 and then onwards its 5%. Also another point, which  most of us do not know is that automatic payback is only 5% from your salary and rest of 95% on your statement, you have to pay interest. So if you want to change this, you have to go Doha Bank Branch and reques them for 100% payback. It depends on them whether they accept it or not.