You cannot use your main account’s credit card or wallet. You need foreign top-up cards.
The most effective way to bypass "version" restrictions related to regional content is to mirror the version requirements of the target market. bypass psn version lock
If you are trying to access the PSN without updating your console's firmware, a proxy server is the most common "soft" bypass. This method tricks the console into thinking it has communicated with the update server. You cannot use your main account’s credit card or wallet