I have purchased this iPhone from india and now I moved to canada since 3 months so my question is I have change region and country but can’t add card in wallet so please tell me what I have to do ?

Did you already change the region for your Apple ID? Are the cards you are trying to add to the Wallet app, issued from a Canadian financial institution?

Ref: Change your Apple ID country or region - Apple Support

You will need to contact the financial institution that has provided you with the card for further assistance with this matter. They basically are the ones that "authorize" the card being added to the Wallet app ... not Apple.