I've worked it out and using game cards at this price costs 109.44 =17.99 x 6.08 (365 days a year, 60 day card) by debit card is 107.88 = 8.99 x 12 (debit/credit card is per calender month) per year so you are paying 1.56 extra for this method. Still, if you don't have a card then 1.56 is not that much more. Getting cards elsewhere can be cheaper though if you can find a deal.