Typically, when you create an Adword account to use Keyword Planner, you will be prompt to put in your credit card info in billing information.
Using this method, you will be able to by-pass the billing information and be able to use Keyword Planner without a credit card needed!
LINK:
https://www.google.com/adwords/manager-accounts/ Website:
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Facebook:
https://www.facebook.com/jason.chung.7374
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