Never pay for a "free" channel. Legitimate free IPTV distributors on Telegram do not ask for credit cards. If they ask for a "donation" to access high quality lists, move on.
While the M3U file itself is just text, the apps recommended to play them, or the "fixes" required to update playlists, are often vectors for malware. Aggressive adware, trojans, and crypto-miners often hitch a ride on the APK files (Android Package Kits) distributed alongside the links.
: Since free links are prone to being taken down, you may need to update your playlist daily from your chosen Telegram source. Microsoft Store
: Repositories on GitHub like IPTV-org offer curated, publicly available playlists that are often more stable than those found in private Telegram groups. Top IPTV Players for M3U Links