No there is objective logical UX.

If you click a button that says "Change payment method" it'll change the payment method.

If you press the card on a "which payment" window, it'll use that card.

Unfortunately objective truths are very boring.

It’s not a “which payment” window though, it’s a “confirm payment information” window.

In that type of window you’d expect clicking on any of the existing form fields would allow you to change that field. It would be wild if clicking on a credit card icon in the middle of a form submitted that form.

Oh, look at that! Turns out this is subjective.

I don’t know how much more clearer the UI needs to be when the button literally says “Change Payment Method”.

I guess Apple should consider these user dissonances when designing UI (when users don’t read or ignore button labels)