Do I need to re-enrol in Apple Pay when my physical card expires?
No, you don’t need to re-enrol your new card as the new expiry date is automatically updated.
You do however need to activate your new card before you can start using Apple Pay again.
Apple Pay Terms of Use.
Apple, the Apple logo, Apple Pay, Apple Wallet, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, MacBook Pro, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries and regions. For a list of compatible Apple Pay devices, see support.apple.com/en-us/HT208531