can we apply Apple Card if we are living out side USA

Depends. Physical location is not that important.

You need to be a U.S. Citizen or Legal resident. Wether you are in the country or not.

If you are not a U.S. Citizen or Legal resident, then you cannot apply even if you are in the U.S.

Details here: How to apply for Apple Card - Apple Support

You have to have a physical USA address.

• 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.