Few years back we were able to buy crypto directly through our master debit cards but due to some regulations issues, that option was totally removed and it was replaced by p2p which one have to pass some verification to enable them trade on exchange. Using p2p there is no restrictions or limitations except for withdrawal and if you did not meet up with the kyc requirements.
I can remember this time too, but based on my own experience, even back then the KYC verification was made compulsory before one could be allowed to use the master card to purchase whatever crypto you wanted to make, and the reason is because they will want the information used for verification to be the same as that of the card to reduce the risk of fraud, but all those times are gone now.