which bank card works for Apple Music in Nigeria, the ones I have are not working

As I said, adding them through the Wallet App will not work. Add them as explained in this link-> Change, add or remove Apple ID payment methods – Apple Support

If they are still getting declined, then contact the issuer or bank to find out why.

Make sure your Apple ID is actually set to Nigeria if you want to use Nigerian cards. If its set to some other country, then it won't accept Nigerian cards. click here-> Change your Apple ID country or region – Apple Support (UK)

Most credit and debit cards should work as shown here: link-> Payment methods that you can use with your Apple ID - Apple Support

Contact your bank or credit card issuer if they are getting declined.

See here to add payment methods to your Apple ID: link-> Change, add or remove Apple ID payment methods – Apple Support (UK)

Apple Pay is not supported in Nigeria, so you cannot add cards to the Wallet App directly, but can add cards ton your Apple ID for use in the stores and Apple Music.

See the Apple Support article(s) below. Link to contact Apple Support in the article. 

Apple ID payment information - If your payment method is declined, or you have a billing issue with a previous purchase in the iTunes Store*

Possible fixes.   Fix ‘Your Payment Method Was Declined’ Error In App Store.  -

                          Payment method declined in iTunes or the App Store.   -