You can spend money in your Microsoft account to buy various products, services, software and content from the Microsoft Store.
Products include Xbox, Surface, phones, PCs and accessories
Content includes some apps, games, movies, and TV shows.
Money in your Microsoft account can't be used to shop at Microsoft Store retail locations, or to get cash, gift certificates, or similar payment products, except when required by law.
Only Xbox subscriptions can be bought with a Gift Card.