7 Best Smartwatches With NFC Payment: (Exclusive Quality)

NFC stands for “Near Field Communication” and it was first made my Nokia.

Nowadays NFC payment feature is used in most smartwatches. With this contactless payment method, you don’t need to bring your credit cards or cash with you.

And if you feel uncomfortable with your filled pockets, then you have a smartwatch with an NFC feature.

After spending lot of time in research we have collected 7 best smartwatches with NFC and offer some premium features. So have a look!

Our Recommendations

7 Best Smartwatches With NFC

  • Galaxy Watch Active 2
  • Apple Watch Series 6
  • Garmin Vivoactive 3
  • Fitbit Sense
  • TicWatch C2 Plus
  • Garmin Venu Sq
  • Garmin Venu Sq

1- Galaxy Watch Active 2

smartwatch with NFC

Let’s start with the Galaxy flagship watch that offers more premium features than our expectations. Along with the NFC feature, there are dozens of health and fitness tracking features.

Compared to its predecessor, watch active 2 supports GPS, ECG app, heart rate alters, stress tracking. The primary health tracking features include; advanced sleep tracking, stress management, ECG app, calorie tracker, SpO2 monitor, and tons of sports modes.

How To Use Samsung Pay In Watch Active 2

Before using Samsung NFC features, you firstly need to set it up properly. It’s a too easy process as compared to other NFC watches. Just follow these simple steps to make it functional.

  • Go to the Galaxy Wearable app on your mobile phone and tap “Samsung Pay.”
  • Now it’s asking you for permission. Just tap “OK.”
  • It takes you to an intro page, then taps “Start.”
  • Tap to “Add Card”
  • It will show you two options: “Add credit card” and “Import cards.”
  • Tap “add credit card” for new users.
  • It will now ask you to set up a PIN for security reasons, set up a pin on your Galaxy Watch<span style=”font-weight: 400;”>.
  • It’s time to add your card, align the card to fit inside to frame, or manually enter the card details. 
  • And congratulations, you can now use the Samsung pay feature.


If you are an iOS user, then this is not a watch made for you. Samsung Pay is not available for iOS smartphones. After setting up NFC you can make five transactions without reconnecting to a network. 

Samsung pay requires a stable network connection through LTE, Wifi, or Bluetooth with a compatible smartphone. And you can only make a transition with NFC-type terminals. 

Bottom Line

Overall, Galaxy Watch Active 2 is a best smartwatch with nfc. Thanks to Samsung for an extra-long battery life that allows you to track activities for a long time. Secondly, Samsung pay features work more efficiently and quickly. 

The watch is very comfortable because of its lightweight and easy to use. I strongly recommend this smart wear to beginners. 

  • Stylish look
  • Feel comforable
  • More advance health tracking features
  • Excellent battery life
  • Virtual rotating bezel
  • App support still lacking
  • No performance gain over predecessor


2. Apple Watch Series 6

which one is the best smartwatch with nfc

Apple Watch brings a great revolution in the smartwatch industry. Their insane capabilities surprised everyone. Like its predecessor, the Watch Series 6 also supports Apple pay, allowing you to make contactless payments.

Apart from this, you will get various advanced health tracking and fitness features, ECG app, stress tracing, advanced sleep-tracking, women health tracking, built-in sports modes, Blood oxygen tracking, fall detection, and many more.

The watch also supports cellular connectivity, so you can use it to answer calls, text SMS, and use the Internet. 

Set up Apple Pay

Luckily Apple Pay is accepted by stores, restaurants, taxis, vending machines, glossary stores, and many other places. And Apple pay is also available in iPhones.

To use Apple pay in your smartwatch, you need to add a credit card via the Apple pay app on your iPhone. The process is pretty much identical to Galaxy Watch active 2. To pay a bill from your watch, you need to double-click the side button. Next, hold the display near the contactless reader, and boom… it’s done.

Before the Watch Series 3, you could add a maximum of 8 cards per device, but now you can add up to 12 cards per device.

Bottom Line

I love the retina and crystal clear display of the Apple watch series 6, but it’s disappointing to say that this watch only gives 24 hours of battery life, just like iPhones. However, overall its fitness tracking features are very impressive; you can deeply track every single activity. 

I’m also a big fan of its accuracy and preciseness. However, GPS tracking is also too accurate and helps you track your running, jogging, cycling, etc. 

  • Ultra clear retina display
  • Accurate SpO2 tracking
  • Altimeter
  • Best third party app selection
  • Comfortable
  • Battery life could be improve

3- Garmin Vivoactive 3

smartwatch with payment feature

Here comes with most durable Garmin wear which is the best companion for outdoor lovers, and athletes. Vivoactive 3 is mid range Garmin watch that comes with Garmin pay and other amazing features.

In this watch Garmin Pay is use to make contactless payment, as compare to rest of the brands Garmin offers accurate and fast contactless payment method. 

Garmin pay is avaliable for both aandrion and iOS users. And it’s too easy to setup Garmin pay, you need to add the carrd to make the feature functional.

Under the Hood Vivoactive 3 has lots of powerful features that makes this watch more worthy. These features include; Garmin pay is avaliable for both aandrion and iOS users. And it’s too easy to setup Garmin pay, you need to add the carrd to make the feature functional.

Garmin Pay Setup

  • From your smartphone go to “Garmin Connect” app.
  • Select Garmin Device, and select your device.
  • Now choose Garmin Pay and then “Create Your Wallet””.
  • Just follow the on-screen instrucions to properly setup the feature.

You can add up to 10 card in your Garmin pay account which is cool thing, but you can only adds those cards which Garmin supporst. You can check on Garmin’s Offical website to see which their payment method supports your card or not.

Bottom Line

Overall Garmin Vivoactive 3 is a best smartwatch with contactless payment, that also offers lot of extra features. But the most interesting thing is its durability and reboustness, Vivoactive 3 pass  MIL-STD-810G.  Also supports spotify so you can listen to song during your activities.

  • Bult-in sports apps
  • Durable design
  • Garmin connect
  • Accurate GPS
  • Excellent battery life
  • No music storage
  • Lack of advanced metrics

4- TicWatch C2 Plus (Free Buds)

smartwatch with google pay

If you want to try some thing new and unique then you should go with Ticwatch C2+. This watch is brand new timepiece in the market that is loaded with many amazing features.

TicWatch C2+ is powered by Wear OS, means you will get Google assistant, Google Fit, Google pay, and much more.

Google pay is the most powerful Contactless payment method around tht globe, and it’s acceptable at the majority of the spots. Google pay is more reliable and efficient way to make payment, pay utility bills, and more.

To assure realiabity Ticwatch C2+ Plus comes with 12-months wattranty for qualilty-realated issues, and also offers 20 day money back guarantee.

This watch is compatible with lot of third party apps, so you can track your features more deeply. You can sync data from your smartwatch to Google Fit, Strave, Runkeeper, MapMyRun, and more.

With the Ticwatch C2+ you will get SD2100 processor and 1GB of RAM that give you extra fast and smooth performance. The processor use minimum resources but provides extra performance and also save the battery life.

How to Setup Google Pay in TicWatch C2+

  • From your smartwatch open Google Pay app
  • Tap “Get Started”
  • Now it will ask you to setup screen lock (if you haven’t already)
  • After setting lock, add the credit card on your Google pay app

Note: This will only add credit card to your Google pay app not on your smartwatch. You can read out further instruction and method on Google official page, it will clear your all queries.

Bottom Line

This wear OS watch gives you all the useful features that you demand. Along with Google pay you will get Google assistant, Google fit, GPS, sleep tracking, heart rate monitoring, etc.

But this watch can’t fulfil the needs of a real athletes or a fitness lover, as there are few fitness tracking features. 

  • Wear OS is more effecient
  • Google fit & Google assistant
  • Built-in GPS
  • 1 GB RAM
  • Smooth Performance
  • Battery life could be improve

5- Fitbit Sense

Fitbit brand brings most advance fitness tracking bands that are famous among athletes because of their insane capabilities. Fitbit Sense comes with more bright AMOLED display that will allows you to easily read dial under direct sunlight.

You will get most advance fitness and health tracking features including; Stress tracking, EDA sensor, ECG app, Skin temperture, real-time heart rat emonitoring, advance sleep tracking, GPS, SpO2 sensor, and different sports modes.

Fitbit Sense offers Fitbit Pay which is pretty safe and very easy to use. All the predecessor including Fitbit Versa 2, and Versa 3 also have a Fibit Pay.

But unfortunately Fitbit pay doesn’t support all the bank. You can visit Fitbit Offical site to check whetner your bank is supported by Fitpay or not.

How to Setup Fitbit Pay on Sense?

  • Open the fitbit app on your phone, and make sure that your watch is near by.
  • Tap the picture of watch from the corner
  • Now select Fitbit Wallet, it will promept you to setup PIN (if you haven’t setup already)
  • It’s time to add debit/credit card.

You can add up to 6 cards to Fitbit pay. Fitbit Sense Payment screen might be hidden if you haven’t setup Fitbit Pay. 

Fitbit Sense has long batter life that full fill your everyday demand, you can use Fitbit Sense for at least 7 days with any fear of re-charging.

Bottom Line

Fitbit Sense is advance fitness tracker that comes with most premium health tracking and sleep tracking tools that no other watch offers. But when it comes to NFC, the Fitbit Pay features is accepted by few banks.

  • Attractive design
  • Excellent battery life
  • ECG app
  • Stress management
  • Support Alexa
  • Small third-party app selection

6- Garmin Venu Sq

smartwatch for payments

It’s time to talk about some best budget-friendly smartwatches; Garmin Venu Sq comes in two variants, one with a round dial and other with a square dial. Both variants have different prices, but you will get the NFC feature in both. 

Venu Sq has a plenty of useful smartwatch features, including GPS, that helps you track your speed, pace, distance, etc., during running, cycling, jogging, etc.

Like other Garmin watches, Venu Sq comes with a Garmin pay option, which is very easy to set up and use. We need to repeat the same process discussed in the Vivoactive 3 section to set up the NFC feature. 

Garmin pay efficiently works with most of the credit/debit cards, including Visa and MasterCard. Garmin pay provides special protection to your cards, and your card number isn’t stored on your device or their servers. This is the primary advantage of the Garmin NFC feature.

Fitness Features

Apart from this, there are 20+ preloaded sports apps, including cycling, running, mindful breathing, swimming, golf, and many more. So you can track your every physical activity and see the profound insights on Garmin connect app.

There are also some premium features, including Body battery energy monitoring, Pulse OX sensor, stress tracking, menstrual cycle monitoring, hydration tracking, respiration tracking, sleep tracking, and especially listening to music using this watch.

Bottom Line

This mid-range watch offers the majority of premium features that you will only see in Garmin High-end watches. Along with that, you will get 6+ days of extended battery life.

I love its comfortable and elegant design that makes everyone wear the watch every time on their wrist. 

  • High end fitness tracking features
  • Bright dispay
  • Comfortable and easy to use watch
  • Excellent battery life
  • Compatible with 3rd party sensors
  • No altimeter
  • No mic and speaker

7- Fossil Gen 5

smartwatch with google payment

Fossil is the most experienced watch brand that prefers quality, and their prices are also affordable. Wear OS powers fossil Gen 5 by Google to get all the major Google apps.

This Wear OS watch offers a Google pay feature, which is the most reliable contactless payment method ever made. 

And especially great news is, Google pay is accepted all over the globe. You can use it on Glossary stores, pay utility bills, tickets, major shopping stores, restaurants, etc. 

It’s too easy to add your credit card to Google pay. The process is similar to Ticwatch C2 plus. If you want to know more about the Google pay setup and policies, you can visit Google pay official page.

Other Fitness Features

Stay fit with the latest Fitness feature on Fossil Gen 5. It offers various health tracking features including, a 24/7 heart rate monitor, sleep tracking, calorie tracking, different sports modes, and more. Using Google Fit, you can deeply track your running, jogging, or cycling, etc.

Bottom Line

If you are a Google product fan, then Fossil Gen 5 is the best option for you. It comes with GPS tracking, so you don’t need to bring your smartphone while running or cycling. 

The only thing that hurts feeling is Wear OS watches offer an average battery life of 24 days, and there will always be more room to enhance the battery performance.

  • Sexy look
  • Brilliant display
  • Good performance
  • GPS, NFC, and heart rate sensor
  • Built-in speaker
  • Battery life could be improve

Buying Guide For The Best Smartwatches With NFC

We have undoubtedly reviewed the best smartwatches that support NFC payment, but it is essential to consider some things before buying a smartwatch with NFC.

App Compatibility

As you are only allowed to add a card to your payment platform through its phone app. So you must check whether the payment app is compatible with your smartphone or not.

Bank Support

The most important thing to check before buying an NFC smartwatch is whether it supports your bank cards or not. For this information, you can check the official website of Smartwatch. Some reviews and Google search can also help you a lot in finding this information.

Other Features

Besides the NFC payment, you must also check the other features of that Smartwatch before buying. It must have a heart monitoring quality, fitness tracking, text features, and must be able to make calls.

These smart features and NFC payment will be beneficial and valuable for you in daily life.

Final Words

A lot of research has gone into finding the best smartwatches with the NFC feature. You can confidently pick any smartwatch from our list. We recommend buying a watch with Google pay, or Garmin pay. 

Note: If you buy any of the watches from our affiliate link, it will help us earn some pocket money. 


Are NFC Payments Safe?

NFC payments are safe because they are done in an encrypted way and use unique security protocols. These protocols are complicated to decrypt, making your transaction safer.

How To Use NFC on Smartwatch?

It’s not a difficult job to use NFC on your smartwatch. But first, you must add a credit/Debit card to it. Just put your wrist in front of the QR scanner at the cashier desk when you need to pay the bills.

Is it necessary to use a phone during NFC payments?

Once you have successfully added a card as your payment option via your phone, you don’t need to connect your watch with your smartphone to make a contactless payment.

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