I cannot add my card to wallet

See the following Apple articles:

Countries and regions that support Apple Pay

Countries and regions that support Apple Pay - Apple Support (EG)

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

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: Add money to your Apple ID balance

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