You should consider familiarizing yourself with the App Store Review Guidelines
Specifically section 11 which outlines Purchasing and Currency in the iOS world. Typically you can't use the users credit card for any digital products that can be used in your App. This is why Kindle, for instance, only let you add books to your wishlist.
Apps like Airbnb and Uber offer physical services which allow them to use the users card.
In Apple's words
11.2 Apps utilizing a system other than the In-App Purchase API (IAP) to
purchase content, functionality, or services in an App will be
rejected
And if you think you can be clever and direct the user from your App to your site to make the payment, think again
11.3 Apps that link to external mechanisms for purchases or subscriptions to be used in the App, such as a "buy" button that goes
to a web site to purchase a digital book, will be rejected