Cant add debit or credit card

See ⤵️

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

If you're still unable to update your payment method, Contact Apple Support.

Apple Pay participating banks in Africa, Europe, and the Middle East

Apple Pay participating banks in Africa, Europe, and the Middle East - Apple Support

See also -> About billing for Apple subscriptions and media products in India

About billing for Apple subscriptions and media products in India - Apple Support

India

•           Apple ID balance (from adding funds)

•           Net Banking (adding funds only)

•           UPI (adding funds only)

You can use / pay with your Apple ID balance, see the following Apple articles: 

Add money to your Apple ID balance

Add money to your Apple ID balance - Apple Support (IN)