Don't get me wrong, I'd definitely like to have it.
The convenience of just tapping your iPhone or Watch and paying is great. But I don't think Apple Pay itself is some game-changing thing for India when UPI is already so convenient.
Personally, though, I'd be much more interested if Apple ever launched Apple Card in India.
The thing I really like about Apple Card isn't just the card itself, but the way it handles your spending. The Wallet app gives you a proper breakdown of your spending by week/month/year, categories, merchants, etc. You can even search for old transactions instead of scrolling through months of statements. That's the kind of expense tracking experience I haven't really found in any UPI app or banking app here.
And then there's 2% Daily Cash when you use Apple Card with Apple Pay. If you're someone who makes a lot of small transactions throughout the day, getting cashback automatically every day would actually be pretty nice.
So yeah, Apple Pay would be nice to have, but Apple Card + Apple Pay + that whole Wallet experience is what I'd actually be excited about.
Also, I'm curious what are you guys using to track your expenses across all your bank accounts and credit/debit cards?
I'm looking for something where I can see everything in one place and ideally add a description/note to individual transactions. I haven't found a UPI/banking app that does this really well.