Uber & Ola have to comply with the Indian central banks directives of validating credit cards, so you are probably running into an authentication issue. https://www.uber.com/en-IN/blog/network-tokenisation/

Your only option is to add the credit card when in India to have a current token. I have given up on using my US/European credit cards with Uber in India and usually use the cash option. One workaround is to buy an uber gift card on the Uber India website and add it to your account. Make sure that you are on the Indian website before buying (the gift card is sold by Uber India Systems Private Limited & Pine Labs Pvt Ltd)

https://www.uber.com/in/en/gift-cards/

Amazon India also sells these at a 2% discount: https://www.amazon.in/Flat-checkout-.../dp/B07GCB9Y22