I am not able to download the apps as do not have the credit card with me

Hey sangameshwar,

Thanks for the question. The following article may address your question:

Why can’t I select None when I edit my payment information?

http://support.apple.com/kb/TS5366

If you want to select None and remove the payment information or credit card from your account, follow these steps.

Using an existing iTunes Store or App Store account

If you have an unpaid balance or payment due, you can't select None as your payment type. To see which order you need to pay for, view your purchase history. When you sign in to the store, you may see a message that there was a billing issue with your last order. Click the Billing Info button to see the order.

After you pay for the order, you can change your payment information to None.

Creating a new iTunes Store or App Store account

When you create a new store account or sign in with an existing Apple ID (that you haven't used in the store), you must provide a payment method. If you want to remove the payment method after you create the account, you can change your payment information to None.

If you want to create an account with a new Apple ID, follow these steps to create an account without a credit card.

Thanks,

Matt M.