PS plus newbie question

Hey I'm new to playstation plus and notice psn store has fatal frame 3 tormented my question is can you buy the game with playstation plus card or do have you buy PSN card to buy fatal frame 3?

If it's not a part of the Instant Games Collection, you can just buy it like any other game. If it is part of the Instant Games Collection, then you can download it for "free" provided you're a PS+ Member.

Thanks and so I will have to buy $20 PSN card .