That limit is only a UK thing and when I’m out of battery on my phone I would prefer contactless over chip and PIN. It’s certainly not a manufacturing cost issue (I think) and there’s already incentive enough to use Apple Pay due to the increased cashback.
Could it be a software issue with their systems not being able to distinguish between phone based and card based contactless payments?
I doubt it - I think with most banks Apple Pay / other wallet cards are on their systems as different ‘cards’ entirely linked to the one account so it’s easily distinguishable as they have different card numbers.
Then maybe I’m overthinking it and they just want to have the card 100% metal, so no contactless possible. Form over function
Oh – that’s interesting. Do you have some examples?
Wow! only yesterday? 
I closed my own Facebook account down over 3 years ago. It’s never bothered me since not having it.
Yep, had to keep it as created apps for website clients, as they were no longer required binned it, I will miss the community I was in for my boys condition.
Not sure if it’s been linked to already but twitter thread might add some info/views. (YMMV)
The keynote slides show merchant logos, etc. Currently the merchant matching alone is a bit hit and miss.
I have a few that have no info at all, tbh I never ever use it anyway and only just turned it on to see what it was like.
I’m sure after a while it will be really well implemented.
Just like Apple Maps when that first came out 
All the third-party Amex cards, from eg MBNA, Lloyds, TSB and so on, have been withdrawn because of the new rules on interchange fees.
I wonder if, by the time they launch internationally, they test to see if a ;‘no card’ option is workable.
So, literally - you sign up but it’s only available in your iPhone wallet. Yep - there will be occasions when contactless isn’t available so anyone trying to use Apple Pay are going to be in trouble, but Apple users in particular have been known to accept ‘design decisions’ from them with short term pain for the ‘greater long term plan’.
Everyone accepts design decisions. You are using Monzo, no? Design decisions galore!
It’s pretty good but interest rates are typically higher in the USA as the discount is paid for via those who run a balance.
Couldn’t agree more, surprised me how little I missed it and how relieved I was at not being expected to like pictures of people’s lunches.
I think it’ll be a while before it moves out of North America. It’s a shrewd move as it’ll tie people more firmly into the Apple ecosystem and make moving out of it a bigger pain.
I’m in Portugal, but in other countries similar cards exist. I’ll give examples of some of the cards I personally have, all with no annual or monthly fees:
bankintercard Gold - 5% on everything for the first 200€ spent each month (nice return but low ceiling)
Cetelem Black - 3% on supermarkets, restaurants and petrol stations, with a 100€ a year of maximum cashback
Cofidis Card - 2% on everything, with 200€ a year of maximum cashback, though they usually keep giving you cashback after the advertised 200€ limit
Then there are plenty of 1% in everything cards and those have no cashback ceilings. Of those I have the Universo card
Even with all of those - The 2% from Apple (on everything, plus the 3% at Apple directly), still seems pretty punchy?
In fact, I’d definitely go for the Apple option compared with the ones you’ve listed (appraicfte the 2% won’t materialise in the UK).
Not sure where the “excuse” comes in about the lower interchange rate?
I’d say it was fact (based on what the banks have said?)
I call it an excuse because if you look at most EEA countries the cards haven’t changed with the interchange cap. Compared with the cards I listed (and multiple others exist) the Apple card as is seems to be in line with that. Arguable if its better or worse
Since noticing this, I realised that Apple Card is just a product added on top of a redesigned Apple Wallet app – could all the various fancy software features of Apple Card be extended to all cards kept in wallet?
