The default card in Apple Pay is the first card that you add to Apple Wallet. Once you have set up Apple Pay and added your cards to your Wallet, the first card you add will automatically become the default card. This means that when you make a payment using Apple Pay, the default card will be used unless you specifically choose to use a different card.
I remember when I first set up Apple Pay on my iPhone. After going through the initial setup process, I was prompted to add a card to my Wallet. I added my debit card as the first card, and it automatically became the default card. From that point forward, whenever I used Apple Pay to make a payment, my debit card would be the card that was charged unless I manually selected a different card.
Having a default card in Apple Pay is convenient because it saves you time and effort. Instead of having to choose a card every time you make a payment, the default card is automatically selected for you. This is especially useful for those who primarily use one card for their purchases and want to streamline the payment process.
However, it’s important to note that you can change the default card in Apple Pay if you want to. This can be done by going into the Wallet app on your iPhone and selecting the card you want to set as the default. By making this change, the newly selected card will become the default for all future Apple Pay transactions.
In addition to the default card, you can also have multiple cards stored in your Apple Wallet. This allows you to choose different cards for different transactions, depending on your preference or the specific circumstances. For example, if you have a rewards credit card, you may want to use that for certain purchases to earn points or cashback.
To summarize, the first card that you add to Apple Wallet becomes the default card in Apple Pay. This default card is automatically charged for payments unless you manually select a different card. However, you have the flexibility to change the default card at any time in the Wallet app. Having a default card in Apple Pay is convenient and saves time when making payments, but you can still choose different cards for specific transactions if desired.