re: "Can i start working on Upwork before adding my payment detail because there is an issue it will take time."
Yes. You can do that.
If I recall correctly, your money may reside in your Upwork account for up to 6 months before Upwork is required to return it to the funding source.
So if your payment withdrawal account is not set up yet... but you can get that done within the next few weeks... then you'll be fine.