HT201303 Can I use an Indian ATM card to review my apple ID?

Help me out!

Hi there Thrippy,
In-app purchases are billed too gift cards before your credit card. Take a look at the article below for more information. 
How iTunes Store purchases are billed
Which payment methods will be used first?
When you make a purchase, content credits are used first, followed by Gift Certificate, iTunes Card, or Allowance Account credits. Your credit card or PayPal account is then charged for any remaining balance.
-Griff W.

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