can I pay local utility bill and other credit card payments with my apple card

Yes, assuming that the utilities and others accept Mastercard. See the following instructions to get your card number and other information needed to make an online payment: How to find the card numbers associated with your Apple Card - Apple Support

If your utility company accepts credit card payments then yes, you can use your Apple Card like any other credit card. As for making payments on other credit cards, no, the Apple Card does not support balance transfers.