I doubt it, and this is purely wishful thinking on my part, but maybe it’ll be today?
If it’s going to be this year, it’s a safe bet. Apple Card was launched at a spring event and has received some kind of update at each spring event since.
There’s enough evidence out there that shows they’ve been working on since at least 2020. I’d heard they were aiming for 2021 but the pandemic delayed things. I don’t have a window or expected time frame anymore, just that it’s still coming. Possible the Apple Card we get won’t be the same as the US either. There are rumblings of a pivot to a BNPL (think more Klarna than Monzo flex built exclusively into the checkout with Apple Pay feature) approach for their international fintech product to launch with.
Pivots aren’t out of the norm for Apple either. iTunes Radio was a US only service, before they pivoted to proper streaming and launched it everywhere when they did.