As stated in this official reply, using another person’s credit card to pay for buying connects and membership fees is accepted by upwork.
As long as the owner of the billing method authorized you to use it, you should be able to add it to your account. If any issues arise, Upwork team will notify you directly. Upwork accepts these billing methods for paying memberships. To learn more about payment options in your country, check here.
And in the W-8BEN tax information, you can put in your full name. It must match your name in your identity documents (Passport, NID). And then add your permanent address. Select Non US if you are not a US citizen.
This information is required if you want to earn from Upwork. Please do not use fake names or names of other people. If you are a minor, that is, if you are under the age of 18, you should use your father or mother’s account.
