Facing Apple ID payment method and Standard Chartered Credit card issue

Re: "cant add standard chartered credit card in apple wallet and cant change my apple id payment to mobile number. "

Wondering, (if you haven't already updated), whether updating to iOS 26.0.1 may sidestep these issues.

Else: If you are using iOS 26.0.1 already:

See what to do: If you can't add a card to Apple Wallet to use with Apple Pay - Apple Support

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Re: " ... cant change my apple id payment to mobile number."

Apple now calls Apple ID just "Apple Account"

See what payment methods Apple can accept in your country or region:

Payment methods that you can use with your Apple Account - Apple Support

and

How to Add an Apple Account Payment method:

Add a payment method to your Apple Account - Apple Support