Once credit card issued on your name ,it will be in your liability list even if you did't used it.It's always better to have a credit card for online transactions as mentioned above.In my experience i'm using Doha Bank credit card for buying stationary items ,electronics or whatever household utilities from Lulu .It means a lot because of 5% cash back and 0% interest scheme for 6 months for the electronics.No need to transfer your salary for the same.I'm saving 50 Qar for each 1000 Qar purchase from Lulu.' It does't mean that Lulu is the best shopping mall ,comparatively an average shopping center . There is no Annual fee for the card .