PlayStation Network vs Xbox Live: Do You Need a PSN Card for Xbox Live?

You're mixing two different platforms:

• PlayStation Network (PSN): Online service for PlayStation consoles (PS4/PS5). Requires PSN account for online play.
• Xbox Live: Online service for Xbox consoles (Xbox One/Series X|S). Requires Xbox Live account for online play.

Summary:

• You do NOT need a PlayStation Network card for Xbox Live.
• You DO need an Xbox Live subscription for online play on Xbox.

Keep the platforms separate—they're entirely different ecosystems.