How to Change Default Card in Apple Pay on iPhone

Apple Pay enables you to shop in stores and online using just your iPhone, providing a convenient and secure payment method wherever contactless payments are accepted. It’s fast, safe, and accepted by numerous U.S. merchants. This guide will walk you through the steps to change default card in Apple Pay on your iPhone.

When you’ve added multiple cards to your Apple Pay, your default card will automatically be used for transactions. However, certain situations might require you to change your default card in Apple Pay. For instance, your primary card may have expired, or, while traveling abroad, you might prefer to switch to a different card to avoid extra fees.

By default, your iPhone will utilize the default card in your Wallet for purchases made through Apple Pay. Keep in mind that Apple Cash can also be designated as your default card.

Change Default Card in Apple Pay on iPhone

On your iPhone, you can change your Apple Pay default card using one of two methods:

Via iPhone Settings

Follow these steps to change your default Apple Pay card:

  • Open the Settings app on your iPhone.
  • Scroll down and tap on “Wallet & Apple Pay“.
Tap on Wallet and Apple Pay in iPhone Settings
  • Navigate to the Transaction Defaults section and tap on “Default Card“.
Tap on Default Card in Apple Wallet settings
  • Now, you’ll see all your cards listed. Select the one you want to make your default.
Select your Card to Change Default Card in Apple Pay

Via Wallet App

You can also change the default card through the Wallet app. To do this as well, follow these steps:

  • Open the Wallet app on your iPhone.
  • All your cards will be displayed. Note that the bottom card (fully visible) is your default card.
  • To set a new default card, hold and drag your preferred card to the bottom or front.
  • A pop-up (Making a card your default card) will appear confirming your change. Tap on “OK” to finalize the changes.
Change Default Card in Apple Pay using Wallet App

Note: Your added first card is always your Default card.

Change Default Card…

And that’s a wrap! If you want to make a purchase with a different card, you’ll need to switch your default card to Apple Pay. Effortlessly manage your purchases by understanding how to switch your default card, ensuring seamless and fee-conscious spending wherever your travels may take you.


How do I set the default card in Apple Pay?

To set your default card in Apple Pay, go to Settings, tap “Wallet & Apple Pay,” then “Default Card,” and choose your card.

Do I set the default card on all Apple devices?

Yes, set and verify the default card on each device separately.

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