Unable to add any card to payment method

Are they debit cards or credit cards ? If debit cards that might be why they are being declined, not all seem to still work with iTunes.

For a card to have a chance of working it needs to be registered to the same name and address as on your iTunes account (including layout and spacing) and have been issued by a bank in the country where you are (and which is there on your account) : If your payment method is declined, or you have a billing issue with a previous purchase in the iTunes Store - Apple Support

I have a valid debit card(visa) and still can’t add to the payment option.

It might be valid elsewhere, it doesn't mean that it will work with iTunes