Can not see Apple Pay in Passbook

When I click on Passbook, I do not have Credit and Debit Cards as the selection below shows, All I can see is Passes.
I do have 8.1 and I do have a iPhone 6 Plus.
Thank you for any responses ahead of time

I had same problem and then I looked at this post. However, before connecting to my iTunes, I gave one last try and went to settings -> General -> Language and region -> Region Formats. I had set up my region as India as I use Indian languages for display purposes. However, when I changed the region back to US, I was able to get to the screen in Passbook where I could add Credit/Debit cards. So this was solved. Then I went back to settings, but the Passbook and Apple Pay menu was still not available. So I restarted the iPhone and it took me to screens as if I was starting for first time. After couple of clicks and setup, I was able to see the menu in settings as well. Btw, I am still able to use Indian languages with the region setup as US. So I am not losing my original functionality either.
Hopefully this helps for people with similar setup and do not wish to go through iTunes route.

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