360 console, 360 games with gold.

It has always been like that not unless there will be an update regarding in redeeming Xbox 360 games with gold on the website. Xbox 360 marketplace has a different structure than on Xbox One Store. Xbox 360 games with gold on the website will need a payment
method. In Xbox 360 console, you won't need one. Currently, you can't redeem Xbox 360 games with gold using Xbox One console and still under progress about redeeming Xbox 360 games with gold on Xbox One console. Either get the games using an Xbox 360 console,
or get the games on the website with a payment method.

If you used a trial codes that would be why

Trial codes do not make you gold or access to games with gold

It only gives temporary multiplayer access

If you are on a home gold console and trying to download a 360 game with gold

Two things

First only the master account on a home gold console can get games with gold on the website including 360 games

As home gold only covers the console not 360

If you mean the current Games with Gold game for the 360, it's actually an original Xbox game that is backwards compatible with the 360. In order for backwards compatibility to work on the 360, it requires an official MS brand 360 hard drive.

Do it on the xbox one or 360

Remember diferent console has different effects

On an xbox one it gives you everything but discounts and xbox games with gold 360

Games

On xbox 360 no party chat or games with gold

you do but only for Xbox 360 Games because you aren't using an Xbox, 360

It doesn't charge you as long as you are the master account with gold on your console

Home gold doesn't apply to 360