I think his question is, can we withdraw money to Payoneer account without the need for a Payoneer debit card.
It says under payment method "Payoneer Payment Card", not Payoneer account. Is this normal?
Yes, you can add your Payoneer account to Upwork even if you don't have the card. When you add your Payoneer account as a withdrawal method to your Upwork account the withdrawn funds will arrive at your Payoneer account. From there, you're free to send your funds as you prefer. Check out these helpful articles for more information: