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Is the card a credit or debit card?
its a Debit card.
Steam only allows the use of Credit Cards as verification, since people under 18 can acquire Debit Cards.
But yeah as others said, only a cc counts as being an "adult" where you live.
Even though that prevents nearly 0 of underaged users from accessing content, only the most observant parent will prevent such, majority will hand over the cc to shut the kid up.
You can see them, but access to their store page is restricted until you verify your are 18 or older.
Don't be surprised if you find that those other platforms have the same, or similar requirements. The laws in the UK affect every platform selling adult content
And using dodgy sites will put you at risk of getting scammed.