As much as I know, you can buy games using your debit/credit cards or store credit. Try searching online for discounted subscriptions or store credit provided by various online game stores. It would be profitable for you. Recently my brother bought Playstation store credit with a 10% off from https://www.press-start.com/de/651-kaufen-key-ps4-playstation-store-guthaben-aufstockung-50e-deutschland/
, if you wish you can try them.