I don't have apple card in my wallet on iphone??? Is there any other way to pay the bill???

Use an internet browser and log into https://card.apple.com/

See: Pay your Apple Card balance online - Apple Support

On your iPhone, go to Settings -> Wallet & Apple Pay. Look at the list of cards to see if your Apple Card is listed there. If it is, you will have the option to pay through there.

If you don't see the Apple Car there, click on Add Card at the bottom of the list and see if the Apple Card is an option to add.