Can I use Apple Pay as back up when I lose my card?
No. Once a card has been reported lost/stolen or is locked, the card is suspended in your digital wallet and cannot be used.
If the card is found and unset as lost/stolen or unlocked, the card will automatically resume in your digital wallet, provided there are no other restrictions on the card.
If a new card is ordered, it will update to the wallet automatically and you can recommence making payments/purchases using your digital wallet.