How to Change Your Default Card in Apple Pay on iPhone

How to Change Your Default Card in Apple Pay on iPhone.

Switch Your Primary Payment Card in Just a Few Taps

Want your favorite credit or debit card to be charged first when using Apple Pay? Changing your default card is quick and easy. Whether you got a new card or just prefer using a different one for daily purchases, here’s how to set it as your primary payment method in the Wallet app.

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How to Change the Default Card in Apple Pay on iPhone.

This guide works on all iPhones that support Apple Pay, including the iPhone 16 Pro Max (iOS 18.4.1), iPhone 15, and older models.

How to Change Your Default Apple Pay Card

Follow these simple steps to set a new default payment card:

1. Open the Wallet app on your iPhone.
2. Look for the card you want to make your default – it should already be added to Apple Pay.
3. Press and hold that card, then drag it to the front of your card stack.
4. The card in the first position automatically becomes your new default.

That’s it! Now when you use Apple Pay, this card will be selected first.

How to Reorder Your Apple Pay Cards

If you want to organize multiple cards for easy access:

1. Open the Wallet app.
2. Tap and hold any card, then drag it to a new position.
3. The card at the front will be your default, with others following in your chosen order.
4. Release your finger to set the new arrangement.

Why Change Your Default Card?

• Your default card is charged first in stores, apps, and online
• Saves time at checkout, there is no need to manually select your preferred card
• Great when you get a new card or want to prioritize certain spending

What If Your Card Isn’t Showing Up?

Make sure:

• The card is properly added to Apple Pay
• Your bank supports Apple Pay
• The card isn’t expired or blocked

Final Thoughts

Changing your default Apple Pay card takes just seconds and makes contactless payments even more convenient. When you’re using it at stores, in apps, or online, having your preferred card ready to go saves time with every purchase.

Need to add a new card first? Stay tuned for our upcoming guide on adding cards to Apple Pay.

If this helped you switch your default card, let us know in the comments!