Can I apply for an Apple Card even if I don’t live in USA?

Apple Card (the credit card) is currently available only in the U.S. to U.S. citizens.

If you are not in the U.S. with a SSN or ITIN, then you cannot qualify for a U.S. credit card.

How your Apple Card application is evaluated - Apple Support

Who offered you a card? Were you visiting the U.S. at that time, or did you receive an offer while outside the U.S.?

US citizenship is not required, but you must be a lawful resident and have a physical address, not a PO Box etc.

See if you're eligible

• To be eligible to apply for Apple Card, you must be 18 years old or older, depending on where you live.
• You must be a U.S. citizen or a lawful resident with a valid, physical U.S. address that's not a P.O. Box. You can also use a military address.
• Your device must be compatible with Apple Pay. See which devices are compatible with Apple Pay. Make sure that your device has the latest version of iOS, watchOS, or macOS.
• You must sign in on your device with your Apple ID and use two-factor authentication.
• If you have a freeze on your credit report, you need to temporarily lift the freeze to apply for Apple Card. Learn how to lift your credit freeze.
• You might need to verify your identity with a Driver License or State-issued photo ID.

How to apply for Apple Card - Apple Support