The issue with a bank issued debit card is that the system will run a check of the card for a small transaction. If that transaction is declined by the bank for lack of funds or any other reason, then the payment method is determined to be unacceptable and declined as a payment method for your account.
Do they sell iTunes Gift Cards in local stores in India? If so, buying them and redeeming them so that you have credit on your account will also allow you to buy apps from the Mac App Store. The Apple content stores; iTunes, iBooks, Music, Video, Mac Apps, etc. all use the same account. Credit for iTunes is credit for the Mac App Store.