Due to reserve bank of india new guidelines i could not buy photoshop using credit card

I had no credit card because bank doesn't provide credit card to students in india so i had to made a fixed deposit 20,000/- rupees to get the credit card. Now still payments declined when i place order after chatting with the adobe customer support but got no satisfactory answer they said to contact your bank and now i got to know that the RBI has changed its new guilde line so here is what that bank says..  

Reserve bank of india new guide line

In accordance with regulatory regulations on eMandate on cards, effective 01 October 2021,
processing of e-mandate on cards for recurring transactions requires Additional Factor of
Authentication (AFA) to be performed for E-mandate registration, first transaction, modification
or deletion. AFA is required for subsequent recurring transactions subject to certain prescribed
conditions.
Any recurring transactions (domestic or cross-border) for existing or new e-mandates not
compliant with regulatory regulations will be declined by SBI Card from 01 October 2021.

So anybody from india if you know how to deal this thing please help. ..

if you are experienced or professional user of adobe products..

please help