How do I use the card on my phone if I’m at a store
How do I use my apple credit card with my phone at the store
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If the store accepts Apple Pay -- see the following from Learn where to use Apple Pay - Apple Support
Use Apple Pay wherever you see one of these symbols.2 Or search for Apple Pay in Maps to see nearby stores that accept Apple Pay.
then use the following instructions: How to use Apple Pay - Apple Support
Or you can use your Titanium card anywhere that Mastercard is accepted. You use it the same way as any other credit card. If you don't already have the Titanium card, see: Request and activate a titanium Apple Card - Apple Support