is this a Phishing attempt or legitimate Apple mail?

Such messages are scam attempts, presented by criminals. Do not interact with the message or the sender. For information from Apple regarding such bogus messages, please read the information at the link below. 

Recognize and avoid social engineering schemes ... - Apple Support

Scam!

If you have any doubts about there being a real issue, contact Apple directly, using known good contact methods. Do not rely on any contact information in the message, as it may connect you to criminal scammers.

Apple doesn’t charge for Genius Bar appointments.

The phone number looks iffy to me.

Contact Apple support, do not click on or use anything in the email.

https://support.apple.com/

Apple doesn’t have an Apple Pay fraud prevention team monitoring consumer’s transactions. Nothing would be private if Apple monitored transactions. Only the issuing bank has access to the cardholders data and transaction details. 😃😃