Doha Bank stop issuing the Web surfer, now they got a visa card to be used only for internet and nothing more. You should have an account as you don't need to pay the bank any more visits, just charge your credit by transfering money instantly from your account.

Commercial or QNB needs also a bank account ... The option is yours ...

Choose between and Commercial ...
Doha Bank: Maintain Balance for saving is 500 and it's 3000 for Commercial.
Commercial Bank: you need to call them to charge it while the in Doha Bank can be done online.