
Your 12-month membership subscription will renew automatically and PRICE + applicable tax will be deducted from your PlayStation Network (“PSN”) account wallet every 12 months until you cancel. If your wallet has insufficient funds, your PSN account’s default payment method will be charged. To cancel, go to [Settings]>[Account Management]>[Account Info]>[PlayStation Subscriptions] on PS4 or see “How to Cancel” below. Enrolling in service turns on your PSN wallet’s automatic funding setting. Price may change. No refunds.
A: I'm not sure if there is a use by date but you can just apply it to your account immediately and it will extend your subscription by a year. So in your case you would end up with a year and a half remaining if you apply it today. You don't need to save it for when your subscription expires.
Q: If I purchase this card now can I use it on Christmas or does it have to be used after purchase?
A: Use it anytime.
Q: Do I need this card for ps5
A: Yes is you want to play online.