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I am bring asked to add payment details for a pre-bought product for when this expires in a year. I do not want to create a subscription.
A family of Microsoft word processing software products for creating web, email, and print documents.
Log into this link with your Microsoft account details, in there, you should be able to register the product key for Office on your account and have the option to skip the steps to add a payment method and not enable recurring billing on the subscription.
Which product is this? If you got a prepaid one-year subscription, you shouldn't have to provide credit card details. Just redeem the product key you purchased, using the link Dave already provided.