Spending my Apple Gift Card Money
Why can’t I use my Apple balance to buy stuff, it wants my debt/credit card info?
iPhone XR, iOS 14
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Why can’t I use my Apple balance to buy stuff,
Yes, it is possible.
When redeeming a gift card, the amount will be credited to your (1) Apple ID balance and (2) 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)
Change, add or remove Apple ID payment methods
Change, add or remove Apple ID payment methods – 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.