But when lemon withdraw money from any visa accepted ATM, Lemon has to pay the bill for that amount withdrawn, as we frequently doing with our Credit card. But then we have pay the bill to that particular bank, in my case, the SBI. In Lemon's case, which bank will bear the responsibility to claim the bill from lemon.
Friend, one thing you should understand that it is not a credit card, but debit card, so you can withdraw from your ATM only if you have a balance in your account. So there is no point of bill or something.