they are treating this creditcard more like a software feature than an actual credit card. you can't apply for it without an apple device, and to get the most benefit from it you have to use it from the wallet app. this means they are already placing arbitrary restrictions on it.
the current trend for apple is that they started charging more for the phone than people wanted to pay, so people are keeping the phone longer and not upgrading it. apple is surely going to find a way to break that habit while still raising prices.
google just exposed a security flaw with apple ios, simply visiting a bad website on your iphone gives the criminals full root control. and this has remained unfixed for 2 years already. so already your creditcard isn't safe inside the iphone.
and apple is about to create an "iphone pro" model, that means the other iphones are going to be second-class with less features and less support. they might put a security chip into the pro phone for example, like they have the T2 security chip for the computers.
and even though apple keeps updating the ios, the new phones always end up with more features because they don't let older phones use all the new features even if they technically could. animojis? etc.
all of these are reasons why i think we might see the apple card become restricted to only the newest iphones.
