Is it permissible to own a bank card (Visa Card) from a usurious bank for the purpose of e-commerce, in the absence of another option?

Islamic banks are better than interest-based (riba-based) banks, and it is forbidden to deal with interest-based banks for anyone who finds an Islamic alternative, because such a person has no excuse. Those in charge of Islamic banks must fear Allah and adhere to the Sharia regulations.