Q: i dont have visa card and i need to download free apps from Apple store

I'm not sure what your question has to do with Apple?

See the following quote from https://support.google.com/googleplay/answer/2851613?hl=en

Note: Since downloading free content is still considered a transaction (even when the price of the item is $0.00), you may be prompted to add a credit or debit card if you don't already have one in your account. You won't be charged for downloading free content.

There may be a way around that but you would be more likely to get an answer in a Google help forum such as https://productforums.google.com/forum/#!forum/play