it's actually a 'prepaid' credit card from Maybank SG, available in most game stores, sells for S$12 with S$10 preloaded (or S$20 with S$10 preloaded, i forgot). Can use it on XB live or on other stuff like a normal credit card. the thing is its issued in SG, need to go back to their branch to reload value, even if can online i dont have a maybank sg account.