Now iOS 8.1 is out and installed on iPhone 6. Fire up passbook and found out that there is no option to add credit. Screen shot:
Now is it because that I am in Canada?
I would suspect, that the reason you are struggling with this is because you are in Canada. At the September 2014 keynote, Apple announced that they would be starting off with the US. Therefore, it's likely that the 'Add a credit card' part of Passbook is dependent on having a US iCloud account, in a similar way to how iTunes Radio is blocked if you don't have a US or Australian iCloud account.
If I log in to US Apple ID, that will show up? Anyway, I could not use Apple Pay anyway as I do not have any U.S. bank account.
If I log in to US Apple ID, that will show up? Anyway, I could not use Apple Pay anyway as I do not have any U.S. bank account.