I also don't own a credit card, but I am going to buy the dlc. There's something similar to the thing you mentioned, but from mastercard. You buy a card with a certain amount of money and you can use this money just like a normal credit card. But you have to throw it away after the money is used up, afaik.
It has a bad taste because (afaik) the minimum amount of money is 150 € you have to invest. A bit hard if you just want to buy it for the 10€-dlc....but until the SDK is released, there will be several dlc's I think....