How can I upgrade my iPhone XR storage?

As the others mentioned, it is not possible to increase the physical storage on your iPhone. But you can optimize the storage on your current iPhone. You can do this and possibly free up space, by deleting apps, deleting old photos you no longer need, old emails & messages. You can read more about it here: How to check the storage on your iPhone and iPad - Apple Support

Rudegar wrote:

local storage can't be changed, you can rent icloud storage but that is not the same as in you can't install apps there and the likes

What's the difference between device storage and iCloud storage? - Apple Support

I believe OP feels they have no payment option to buy extra iCloud storage. This:

...Please I don’t have vessa card or membership card to upgrade my storage.

I don't think Apple has a subscription option for those without credit/debit cards or online bill pay.

local storage can't be changed, you can rent icloud storage but that is not the same as in you can't install apps there and the likes

What's the difference between device storage and iCloud storage? - Apple Support

Storage on your phone is fixed. It cannot be increased.

If you need more storage on your phone.....and you have already deleted apps, music, video, etc that you do not need.....then you need a new phone.

Buy a new phone...with more storage.

[Edited by Moderator]