Microsoft 365 features that help users manage their subscriptions, account settings, and billing information.
Hello Cathy Anoop
You may be able to pay through Google Play if you subscribe from the Microsoft 365 app on Android and Google Play billing is offered during checkout. The available Google Play payment methods depend on your Google account and country or region.
If you purchase directly from Microsoft, only the payment options displayed at checkout are available. Not all payment methods are supported in every region, which is why you may see only debit or credit card.
Please note that a subscription purchased through Google Play must be managed through Google Play, including billing, cancellation, and refund requests.
I hope this helps clarify your options.
Feel free reply back to this post if you have any more questions.