how is mylot gonna pay me the credit which is displayed above

MyLot ONLY pay by PayPal. In order to be paid, you MUST have a valid PayPal account. PayPal have special regulations which apply to India because of restrictions imposed by the Reserve Bank of India, which PayPal, of course, have to abide by. I think that you CAN open a PayPal account without linking it to a bank account or credit card but there is very little that you can do with the money you receive in practice because most sites which accept payment by PayPal require that you have a 'verified' account. 'Verification' involves giving your bank details to PayPal. They will initiate a small transaction with that account which gives you a number. When you see that transaction appear on your statement, you go back to the PayPal website and enter the number which shows that you have legitimate access to that bank account. Without knowing your bank details, PayPal cannot transfer any earnings to your account. PayPal is a very secure and safe method of paying and receiving money. The whole point about it is that a customer wanting to buy something online does NOT have to give out their credit card or bank details to hundreds of sites which may misuse that information. You only share your sensitive information with ONE site, which is legitimate and as secure as anything can possibly be. The good thing is that you don't need to worry about being paid by MyLot for a while yet - at least, until you are approaching the minimum payout of $10 - so you have some time to think about it, read the instructions on the PayPal site carefully and set up an account at leisure.