Phantom Dust is one of those games that lots of people talk about but nobody I know actually bought back in the day. Originally released for the Xbox None in 2004, it’s a 3D fighting game set in destructible environments. The twist is that all of your character’s abilities are determined by a deck of cards, so you can switch in new attacks, blocks and specials when you earn/buy new cards.
Today Microsoft re-released it free on both Windows 10 and Xbox One, with cards available as microtransactions. You can, I believe, unlock every card in the game by playing. Here’s a video from Microsoft explaining how it works.