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https://postimg.org/image/tt6zx7gcj/
so if I use that will my account still have limited user restrictions?
I found a discussion with a topic similar to yours:
https://steamcommunity.com/discussions/forum/1/154645214957493711/#c154645214957633609
Still, why not pay with a card instead?
As long as its offered by Steam it counts.
For those in India, adding at least 330 INR would be advisable. The Indian Rupee fluctuates pretty wildly and users have been known to go back to being limited if their currency drops again.