I need to remove my visa from my apple iD

See what Eric Root said. And, for future reference, see: Create or use an Apple ID without a payment method https://support.apple.com/en-us/HT204034

If you can't remove your last payment method or use no payment method with your Apple ID https://support.apple.com/en-us/HT203905

Because you have an active subscription, you need to add a new credit card to the account and then make that card the primary payment method. You should then be able to remove the Visa card.

I don’t want to put any credit card on this phone .. how can I remove my visa

If you have an active subscription you can't remove the card. If you don't have a subscription, try the links donv posted.