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DBS Bank Credit Card

I am holding this account and it has zero balance since Covid. I only transfer some small amount at times to get Swiggy offers through DC.
as you are maintaining 0 balance, do they charge for debit card fee, as schedule of charges say fee is waived when mab is above 50k
 
Today i applied for DBS bank Savings account 10k monthly average balance.

When bank employe come to my office i asked her does bank provide Credit card, she saying dbs bank provide instantly Pre approve Credit Card No need any verification for DBS Bank bank user

Is it true? Or she simply lied to me?
yes
but pre approved only
 
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