All of your answers are there in the question my dear ...If you use Doha bank credit card instead of click card you can use all the benefits from the same ...Almost all the banks other than QNB delivering the salary by 28th of each month ...The most rude and useless customer care you can find in Mashreq bank ....Best online remittance rates to india provided by Doha bank ,kindly compare your friends ...forget about indian bank collaboration ...just think about deposit benefits from nationalised banks ....Apply a credit card ,wait for salary until 28th of every month ...you will be the happiest customer of Doha bank ....