Things to keep in mind: You can't use Microsoft or Xbox gift cards to purchase content from the Xbox 360 Marketplace or Xbox 360 content on the Xbox One. When you purchase a Microsoft or Xbox gift card, make sure that the currency you use matches the currency associated with the recipient's billing account.
How to buy games on Xbox One without credit card?
In certain countries and regions, PayPal can be used as a payment option to buy subscriptions like Game Pass and content such as games, apps, music, HD movies, and TV shows on your Xbox Series X|S console, Xbox One console, Xbox 360 console, and Xbox.com.
Do you need a credit card to redeem Xbox gift card?
To get around this all you need to do is get enough points for the Xbox gift card and redeem that (no credit card needed for that). Xbox will recognize this and you should be able to get your game pass.
Can you still buy games on Xbox 360 digitally?
Yes. While you'll no longer be able to make purchases in the Xbox 360 Store or the Xbox 360 Marketplace (marketplace.xbox.com) after July 29, 2024, you'll still be able to make purchases for Xbox 360 and Original Xbox backward compatible content on Xbox One, Xbox Series X|S, and xbox.com,.
Does Xbox 360 still accept gift cards?
Yes, as long as you are using an actual 360, they can't be used for 360 content through xbox.com, microsoft.com, or the Xbox One.
Do you have to use credit card for Xbox Live?
If you don't want to use your credit card, you'll need to purchase a new gift card to cover the entire past-due balance. (You'll still be required to provide a credit card as a backup payment option.)