Why I can’t properly use apple wallet

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)

Apple Pay participating banks in Canada, Latin America and the United States

Apple Pay participating banks in Canada, Latin America and the United States – Apple Support (UK)

Apple Pay participating banks and card issuers in Asia-Pacific

Apple Pay participating banks and card issuers in Asia-Pacific – 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 Banking (adding funds only)
• UPI (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

-----

If you have change Country or Region, you must comply with all regulations described here -> Change your Apple ID country or region -> Change your Apple ID country or region – Apple Support (UK)