As long as you are signed in, and have a valid Gold account, it always shows me 'Free' for any 360 Games with Gold.
I do have a credit card linked to my account though, if you don't then you may need to register one.
This is the screen when getting 360 Games with Gold: https://imgur.com/a/L46eR
You could add it then remove it. I know what you mean though as I ended up with a £400 bill for damn Fifa crap a few years back haha Luckily MS took pity and refunded me.
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