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> Really, what's the point?

Adoption. Apple brings it's users... who just seem to adopt Apple features better than competitors' similar features.

If contactless pay is a gordian knot of user vs. merchant adoption, Apple will play the part of Alexander and untie/sever the knot.

1) One thing less to carry around

2) The credit card gives away data that can be used for fraud. Your phone does not have to do that.

> The credit card gives away data that can be used for fraud.

Not with chip and pin or contactless it doesn't

#1 only makes sense if you ignored the word battery in the question. A phone makes a dreadful credit card. It's huge, it runs out of power, and it throws stack traces at the wrong moment.

I can leave home without my wallet. Seriously, cash/card and maybe my drivers license is the only necessary thing I need on the go most days. I can free up an entire pocket.