Cant add debit or credit card
I can’t add my debit card in wallet
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If you can't add a card to Apple Wallet to use with Apple Pay
If you can't add a card to Apple Wallet to use with Apple Pay - Apple Support
If you're still unable to update your payment method, Contact Apple Support.
Apple Pay participating banks in Africa, Europe, and the Middle East
Apple Pay participating banks in Africa, Europe, and the Middle East - Apple Support
See also -> 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 Banking (adding funds only)
• UPI (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)