MSFT's payment option is worse than Google's, it doesn't even support carrier billing or Netbanking. I don't hv credit card bro, i hv only debit cards from SBI and United Bank and neither of them works on playstore or in Windows store. Play store purchase works via airtel/voda carrier billing or netbanking or gift card from paytm/freecharge but cannot use these payment option for subscribing Google drive storage.