April 11, 2025 · 15 mins read
Santhosh Kumar
Once used merely as communication tools, mobile phones have evolved into smartphones that allow digital solutions for everyday needs.
Devices that once only allowed voice calls and short text messages now offer features like internet connectivity, video calls, and content streaming, among many others. Modern devices add more features that reduce our dependency on other necessary accessories.
For example, physical wallets are needed to store cash, bank cards, IDs and other important documents, while digital wallets help do the same thing only with soft copies.
Apart from these, digital wallets also offer users some extra features that normal wallets may not offer. Moreover, some manufacturers now include digital wallets integrated with their devices so that consumers don't need to download third-party wallets to make transactions through their smartphones.
The Apple Wallet app has been around for a long time. Apple's digital wallet also supports multiple features and can be accessed only by iPhone and Apple Watch users. Apple Wallet works with various types, but most are restricted to a handful of markets. Apple users who don't reside in first-world countries cannot access most of the features that the actual wallet offers.
Meanwhile, Apple's digital wallet can store banking cards that support Apple Wallet, package tracking, membership cards, ID cards like driving licenses, employee IDs, metro cards, event tickets, boarding passes, house/car/hotel keys, COVID-19 vaccination certificates, and even cards from third-party platforms.
Apple Wallet provides a convenient way to organize and use rewards cards, boarding passes, tickets, gift cards, and more in one place. By working with Apple Wallet, you can provide relevant information when needed and present passes based on location on iPhone, iPod touch, and Apple Watch.
Train tickets, airline boarding passes, and other types of transit passes. Each pass usually corresponds to a single trip with a specific starting and ending point.
Coupons, special offers, and other discounts. The coupon can be updated with a new offer and expiration date if an offer has expired.
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Entry into concerts, movies, plays, sporting events, or other events. Typically, each pass corresponds to a specific event, but you can use a single pass for several events, as with a season ticket.
Store loyalty cards, discount cards, points cards, and gift cards. If an account related to a store card carries a balance, the pass can be updated to display the current balance.
Any other pass type includes a gym membership card, in‑store pickup receipt, or coat-check claim ticket.
You can access offices, hotel rooms, cars, homes, and more with just your iPhone or Apple Watch- no physical keys are needed.
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Using the Pass Kit framework, you can add passes to your wallet and have them appear on the screen based on the time and location when they're relevant. You can also update past' content using push notifications.
To set up Apple Wallet, add a debit or credit card to the Wallet app on your iPhone, Apple Watch, or other compatible device.
To use Apple Wallet, you need:
1: A compatible device with the latest iOS or iPadOS, watchOS, macOS, or visionOS.
2: A supported card from a participating card issuer.
3: An Apple Account signed in to your Apple device.
4: Face ID, Touch ID, Optic ID, or a passcode set on your device.
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If you have an eligible credit card, you can tap your card on your iPhone to add it. Or you can learn below how to manually add your credit card to your Apple Wallet India. If you have any issues adding a card, contact your card issuer.
1: In the Wallet app, tap the Add ‘+’ button.
2: Tap Previous Cards to add a card that you used previously.
3: Tap Debit or Credit Card to add a new card.
4: Tap Continue.
5: To add your card:
6: Tap or hold your card close to your iPhone to add it.
To add your card manually, tap Enter Card Details Manually and follow the onscreen instructions. Some banks or card issuers may require further authentication. They may ask you to provide more information or to download an app before approving your card for use with Apple Wallet.
Eligible card issuers will also allow you to connect your account to view transaction details and account information in the Wallet app.
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After learning how to connect your credit card to Apple Wallet India, you can view your debit or credit card balance, your full transaction history for up to two years, and more.
1: On your iPhone, open the Wallet app.
2: Tap the card you want to connect.
3: From the front of your card, you can tap Get Started to connect your account to your wallet. Or, tap the More button, then tap Card Details.
4: Tap Get Account Balance & Activity to connect your account to your wallet.
5: Follow the steps onscreen to consent to any terms associated with connecting your account, and tap Continue. You'll be redirected to your card issuer, where you'll be asked to authenticate. If you're asked to select an account, select the correct account you want to connect. You might need to enter your information online or through your card issuer's app.
6: You'll see you are connected once you've successfully connected your account.
If you're signed in to the same Apple account on your iPhone and paired Apple Watch, your connected account will automatically sync across those devices.
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Once you've successfully connected your credit card to Apple Wallet India account, you can see your current account balance and up to two years of your full transaction history, including purchases that weren't made with Apple Wallet. To see your account balance and transaction history:
1: On your iPhone, open the Wallet app.
2: Tap your connected card.
3: You'll automatically see your full transaction history.
Depending on the card issuer, pending transactions might not show in the Wallet app. If your balances aren't updating, ensure Fetch Data is turned on.
1: From the front of your card, tap the More button, then tap card Details.
2: Go to Connected Account, then tap Connection Settings.
3: In Accounts, tap on your card. Toggle Fetch Data to Off and tap Delete Account Activity.
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1: Check for service outages or internet connection issues.
2: Ensure you're trying to connect a debit or credit card from an eligible card issuer.
3: Make sure that you have iOS 17.1 or later on your iPhone.
4: Ensure you have the latest version of the banking app for your card.
1: On your iPhone, go to Settings.
2: Tap Wallet & Apple Wallet.
3: Go to Connections, tap the card issuer you want to remove, and Disconnect. Then, confirm that you wish to disconnect.
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1: On your device, open Wallet & Apple Wallet settings.
2: Go to System Settings (or System Preferences) > Wallet & Apple Pay on your Mac model with Touch ID.
3: Go to Settings > Wallet & Apple Pay on your iPad or Vision Pro.
4: Select Add Card.
5: Follow the steps on the screen to add a card.
6: Verify your information with your bank or card issuer. They may ask you to provide information.
On Mac models without built-in Touch ID, you can complete your purchase using Apple Wallet on your compatible iPhone or Apple Watch: On your iPhone, go to Settings > Wallet and turn on Allow Payments on Mac.
We covered earlier the technology that allows Apple Wallet to work in stores, but you might still be wondering: how does Apple Wallet work at a store from a user perspective? As you’d expect from Apple, it’s pretty easy:
1: Check the merchant accepts contactless payments - look for the contactless symbol
2: Double-tap the button on the right of the phone or watch
3: Select the card you want to pay with on your phone
4: Verify the payment, if required, with your passcode or biometrics
5: Hold your phone or watch near the payment terminal
6: Your payment will go through - just like using a contactless payment card
You can also use Apple Wallet when paying online. The advantage here is that you won't need to enter your card, shipping, or billing information - just pick Apple Wallet as the payment option at the checkout, enter your passcode or biometrics, and confirm the transaction.
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Apple does not charge for using Apple Wallet. However, it's worth remembering that you might encounter fees when using Apple Wallet internationally, which are levied by your own card issuer rather than Apple.
Apple Wallet allows you to use your credit or debit card more conveniently - but any fees applied by your card network or issuer will still apply. That means that if your card issuer charges a cash advance fee or a foreign transaction fee, these will still apply when you use your card through Apple Wallet.
The good news is that not all payment cards charge these international fees.
If you use Apple Wallet to spend in stores or online with a linked debit or credit card, the limits that apply are usually set by your bank or card issuer. That means they're the same as those you'd run into if you were spending with your card at a payment terminal directly.
The only exception is if you're using Apple Cash to send payments to others. In this case, there are some limits to the amount you can send³ —we'll look at the Apple Cash payment options in more detail later.
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Apple follows all legal requirements to protect customer privacy and personal data - including encrypting and securely storing information and never saving images of payment cards you scan with your phone.
Apple Wallet offers a pretty diverse range of features and some linked products. Here's a quick runthrough of some other options you may be interested in.
Apple Wallet on the Web is Apple Wallet's online shopping feature. It allows users of compatible devices to pay at checkout by choosing Apple Wallet and using their passcode or biometrics—without entering card details or shipping address.
Apple Cash has a range of features, including sending and receiving payments from other Apple users. You can even request money with Apple Cash and Apple Wallet. You can also transfer an Apple Cash balance to a bank account - although there may be a fee.
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The Apple Card is a credit card that lives in your phone and allows you to make payments using Apple Wallet. If you can find a contactless ATM, you may even be able to use your Apple Card at an ATM.
Apple offers an express mode⁵ to let you link some cards to your wallet without entering your passcode. This could be handy for particular use cases, such as when you're getting on public transport. You'll simply need to hold your device near the card reader to open the gate—easy.
Tap to pay lets you make an iPhone-to-iPhone payment - using the same technology as your phone uses to pay via a merchant’s payment terminal.
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Enhanced Security: Payment safety has become a significant customer concern with increasing credit card fraud, identity theft, and data hacks. Credit cards in Apple Wallet India are an incredibly safe payment option built with a great privacy policy. It has embedded security features in both hardware and software-compatible devices. These features help secure the user's transactions and financial data. This involves the utilization of biometrics like fingerprint readers and face recognition to improve the authentication process.
Furthermore, while Apple Wallet stores the details of the user’s debit/credit card & bank information, this data is never forwarded to the recipient or the merchant. This eliminates the possibility of transactions being disrupted by cybercriminals.
Single-Click Payments: Payment with Apple Wallet is fast. One does not need to enter the credit card details and other required information manually—they are all stored safely inside the robust Apple Wallet system. This ensures that payments can be carried out with a single click and thus enhances the overall user experience.
Recurring Payments: As more consumers favor periodic bill payments to reduce penalties associated with late payments, Apple Wallet allows users to make these monthly payments hassle-free without needing paperwork, alteration in the account settings, etc.
Convenient: Using Apple Wallet is simply convenient for people using iPhones. As smartphones have become an integral part of our lives, making payments via mobile is easy. In the recent pandemic, it makes more sense to make contactless transactions than ever!
As a merchant, you might wonder about the benefits of incorporating Apple Wallet with your business. Well, there are a variety of Apple Wallet benefits!
Apple Wallet benefits merchants by attracting and retaining tech-savvy customers who prefer making payments through mobile. These millennial and Gen Z users are the future of businesses. By adapting their preferences, a business can improve their overall experience.
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A credit card in Apple Wallet India delivers money from the customer to the retailer faster than conventional payment methods. This incentive helps alleviate cash flow problems, often a big problem for many enterprises.
Remaining competitive is an integral part of any business strategy. It influences the way you promote your business. Apple Wallet is indeed a way to make your business more competitive. Apple Wallet has an impressive 30.3 million users. As you add Apple Wallet to the payment options, your business will improve its appeal to this vast pool of smartphone customers. Your competitors either have or do not have Apple Wallet. By introducing Apple Wallet, you can stay in competition with your rivals who are offering it!
There is absolutely zero doubt that credit cards in Apple Wallet have ushered the transaction model into the light of the future! With the dual benefit of convenience and security, consumers are increasingly shifting to cashless payments through Apple Wallet.
Apple Wallet is Apple's mobile payment and digital wallet service. It enables users to make payments in person, in iOS apps, and on the web. It is supported on the iPhone, Apple Watch, iPad, and Mac.
To add a card to your Apple device, go into Settings, open Wallet & Apple Wallet, and select "Add Credit Card." You can open your wallet, swipe down, and tap the plus sign on an iPhone. From there, use your iPhone's camera to enter the card information or type it in manually.
Yes. Apple Wallet is safe. Apple uses safety features in both the hardware and software of your device, and you'll need to sign in to your phone with a passcode or biometrics to pay. Your card details are encrypted and held securely, so even Apple can't access them - and they're never passed on to the person you're paying.
Currently, the following cards are eligible:
1: Mastercard debit cards (excludes ATM-only cards)
2: mastercard business debit cards (excludes ATM-only cards)
3: Visa consumer credit cards
No. The card image won't be an exact match. This doesn't affect how your cards work with Apple Pay.
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