I have a credit card to be used for billing

No, it is not possible.

1.

You need to buy an Apple Gift Card or App Store & iTunes gift card.

See ⤵️

1.

The gift card for everything Apple

Apple Gift Card - Apple

This 'universal' gift card was launched in the US at the end of July 2020.

Since June 29, 2022, a number of European countries have been added, including Germany, France, Italy, Spain, the UK and the Netherlands.

2. 

Where to buy a physical Apple gift card:

Actually, you can buy an Apple gift card at many places, it depends of course on where you live.

At an Apple Store or an Apple Authorized Reseller in your region certainly, but also at a good bookstore, supermarket and/or drugstore.

See also -> About Gift Card Scams -> About Gift Card Scams - Official Apple Support

2.

Then see -> How to redeem your Apple Gift Card or App Store & iTunes gift card

How to redeem your Apple Gift Card or App Store & iTunes gift card – Apple Support (UK)

When redeeming a gift card, (1) the amount will be credited to your Apple ID balance and (2) then you need to set your Apple ID balance as your default payment.

(1) See -> Check your Apple ID balance

Check your Apple ID balance – Apple Support (UK)

(2) See -> Add a payment method to your Apple ID

Add a payment method to your Apple ID – Apple Support (UK)

If you update your payment method or add funds to your Apple ID balance, It would take about 1 to 3 business days in order to process.

If you're still unable to update your payment method, Contact Apple Support.