apple wallet only shows "Passes"

Go to Settings > Wallet & Apple Pay > Add Credit or Debit Card.

Hi

Apple Pay is available within the US and UK. Unless your device is set to one of those regions, you will not see the option to add cards.

You can also only add supported cards from participating banks within those countries:

Apple Pay participating banks - Apple Support

If you are in one of those countries, but don't see the option to add cards to Apple Pay, check the region settings on your iPhone:

To change the region on your iPhone, go to:

Settings > General > Language & Region > Region

Thanks Jonathan UK, I was pulling my hair out with frustration until your suggestion. My phone was set to the wrong region, sorted.

You're most welcome! 🙂