Demerits : QR 5,000 min balance (avg) to be kept.They were asking me to keep QR 15,000 min balance on another scheme.They must be crazy.
They charge for obtaining bank statements (QR 15 per page)
No online banking.(although i believe they are to start that soon)

Merits :Functional Credit card/ATM card immediately on opening an account. I think this is an excellent facility.
3 or 4 free transfer to your account back home.
Not that much of a crowd at their branches (compared to CBQ etc)
Sweets at the cashier counter ;-)