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)
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
- Apple does not approve or decline cards for use with Apple Pay. If your card was declined, contact your bank or card issuer.
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
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