Unable to add Credit Card to wallet , unable to use Apple Pay

Unable to add Credit Card Payment?

Indeed, see -> About billing for Apple subscriptions and media products in India

About billing for Apple subscriptions and media products in India - Apple Support

India

•               Apple ID balance (from adding funds)

•               Net Banking4 (adding funds only)

•               UPI4 (adding funds only)

You can use / pay with your Apple ID balance, see the following Apple articles: 

Add money to your Apple ID balance

Add money to your Apple ID balance - Apple Support (IN)

What you can buy with your Apple Gift Card or Apple ID balance

What you can buy with your Apple Gift Card or Apple ID balance – Apple Support (UK)