I'm not really familiar with how VISA/MasterCard work, but I'd like to know if there's a way to use them and pay in bitcoin or any other crypto currency. My main interest is paying for exams/application fees for my post graduate studies, so small limit on account transactions aren't a big problem.
There are many services that offer virtual as well as physical debit cards. These cards can be used in any online store or actual stores where visa/mastercard is accepted.
As you need to pay for examination fees, you can just order a virtual card and pay online. The card would be loaded up with cryptocurrency, usually bitcoin, at the current btc/usd rate. I had used spectrocoin virtual card in the past, but they seem to lower the limits for unverified accounts.