Apple card
I don't see option for adding / applying for apple card in my wallet. I have iphone xs running ios 12.4.
iPhone XS
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Is your iPhone region set to the U.S, in Settings->General->Language & Region->Region?
Do you have 2 Factor Authentication enabled on your Apple ID?
Is your Apple ID set to 18 years old or older?
See here: How to apply for Apple Card - Apple Support