No, you don't have to load your debit card. You simply have to transfer Bitcoins to your ANOON Wallet via the blockchain. As long as you have got credits on your ANOON Wallet you can continue to spend it with your debit card in any real currency worldwide. Or use your debit card to withdraw real money at ATM's worldwide. The background clearing is done real-time between VISA and your wallet.
If you are an AdBit user your AdBit wallet will be linked with the debit card, i.e. you can spend the Bitcoin you earn as an AdBit publisher with your debit card (service will be available with beginning August 2016).