Can I send money to a contact using Apple card

Not using Apple Card, no. But you can send money using Apple Cash. https://support.apple.com/en-us/HT207886

Yes. Apple Card is a credit card. Apple Cash is peer to peer money transfer. Apple Pay is the service that lets you pay with your phone using most credit and debit cards.

But, you cannot use Apple Card to send money to someone else, nor to receive a cash advance.