See the following Apple articles:
Set up Apple Pay
Set up Apple Pay - Apple Support
Countries and regions that support Apple Pay
Countries and regions that support Apple Pay - Apple Support (EG)
Set up Apple Pay in Wallet on iPhone
Set up Apple Pay in Wallet on iPhone – Apple Support (UK)
Apple Pay participating banks in Africa, Europe, and the Middle East
Apple Pay participating banks in Africa, Europe, and the Middle East - Apple Support
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
See -> About billing for Apple subscriptions and media products in India
About billing for Apple subscriptions and media products in India - Apple Support
See -> Payment methods you can use with your Apple ID
Payment methods you can use with your Apple ID – Apple Support (UK)
India
- Apple Account balance (from adding funds)
- Net Banking4 (adding funds only)
- UPI4 (adding funds only)
Then use / pay with your Apple Account balance, see: Add money to your Apple Account balance
Add money to your Apple Account balance - Apple Support