Paypal Premium Account Queries,Please Help.

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Its Just Been over a 2 Weeks For me Around Here and i Still Don,t Get it. As i Don,t Have a Paypal Account yet. Will MyLot Hold My Minimum Earning Payment Until it Reaches the Point That i Want it to Reach. Or will Payout Members Sooner Than They Thought Just Like 2 Days Ago. Can Anyone Here Tell me? I am From India and if Want to Have a Premium Account. What Would They(PayPal) Charge me for a Month? And How Do i Withdraw Money From Bank Using Paypal? Many of u May have Paypal Acount so Please Help me out. And is it Necessary to have Credit or Debt Card For Transfer Money in my Bank Account. Please Give me details About Paypal in Brief.