It would mainly depend on local laws such as rebranding laws, its reported Apple has been having issues launching the Apple Card India because of the laws behind rebranding and that in India the banking details have to be on the bank side and from the banks site so it couldn’t be integrated into the wallet app. Also don’t expect the same cash back scheme outside the US as many countries limit the amount in fees a credit card can charge where the US doesn’t have a limit. So the EU limits the fees to 0.3% for credit cards.