Best 10 Smartwatches With NFC in 2025 For Contactless Payment

NFC Payment systems are quite popular these days because they are more convenient than regular payment systems.

On top of that, they are also more robust and secure because they use advanced validation systems which allow you to make the payment safely without exposing your banking details. 

NFC Payment methods are so popular that half of the US population uses these payment systems and this number is destined to grow more in the coming year

If you are also impressed by NFC Payment systems and want to get a smartwatch with a built-in NFC Payment feature, this guide is for you.

In Summary: Our Top 3 picks

Also, To make your contactless payment safer, make sure to read my guide: Security & Privacy Threats To NFC In 2025 | How To Make It Safer?

Top 10 Smartwatches With NFC Payment Feature

In this WearToTrack guide, I’ll share the top 10 smartwatches with NFC Payment in 2025. So, let’s get into it.

The Fitbit Sense 2 stands out as a thorough health companion that doesn’t sacrifice convenience, featuring Fitbit Pay for contactless transactions while you’re out on your morning run or at the gym.

Beyond payments, you’ll benefit from extensive stress detection, ECG monitoring, and advanced sleep tracking that provides personalized insights. With 40+ exercise modes, built-in GPS, and water resistance to 50 meters, it’s versatile for any activity.

Battery life exceeds 6 days, saving you from constant charging worries. While some users report connectivity issues and limited app functionality compared to previous models, the robust health features make it worthwhile if wellness tracking is your priority.

Best For: Health-conscious individuals seeking comprehensive wellness metrics including stress management, sleep analysis, and fitness tracking in a smartwatch with extended battery life.

Pros:

• Advanced health monitoring features including cEDA stress detection, ECG app, and comprehensive sleep tracking with personalized insights
• Impressive battery life exceeding 6 days with rapid charging capabilities
• Versatile fitness tracking with 40+ exercise modes, built-in GPS, and water resistance up to 50 meters

Cons:

• Limited app functionality compared to previous Fitbit models and competitors
• Connectivity issues and delayed notifications reported by multiple users
• Concerns about wristband durability with some users experiencing rashes and breakage

Google’s Pixel Watch 3 (45mm) stands out as a premium choice for Android users seeking robust NFC payment capabilities within a feature-rich fitness ecosystem. The 45mm Actua display delivers twice the brightness and 40% more screen real estate than previous models.

You’ll appreciate the advanced Fitbit integration with custom workouts, form tracking, and readiness metrics that analyze your sleep and heart rate patterns. ECG monitoring, fall detection, and stress tracking provide thorough health insights.

Battery life extends to 24 hours with fast charging, though your mileage may vary. It seamlessly connects with other Google products while maintaining an intuitive interface for daily use.

Pros:

• Advanced fitness tracking with Fitbit integration offering custom workouts, form guidance, and comprehensive health metrics including ECG, sleep analysis, and stress monitoring
• Impressive 45mm Actua display that’s twice as bright and 40% larger than previous models, providing excellent visibility and usability
• Seamless integration with Google’s ecosystem of products and services, creating a cohesive user experience for Android users

Cons:

• 24-hour battery life requires frequent charging, with user experiences varying significantly depending on usage patterns
• Some features require a Fitbit Premium subscription for full access, adding to the overall cost of ownership
• ECG functionality receives mixed reviews, with some users reporting inconclusive results that limit its practical usefulness

Featuring a striking octagonal metallic design with ultra-hard coatings, the HUAWEI Watch GT 5 46mm stands out for fitness enthusiasts who need exceptional battery life without sacrificing style. At just 10.7mm thick and weighing only 48 grams, it delivers impressive comfort during extended wear.

You’ll appreciate the thorough health tracking capabilities, including heart rate, SPO2, stress, and sleep monitoring. The watch offers advanced running metrics like ground contact time and left/right balance. With up to 14 days of battery life, vibrant UI, and compatibility with both iOS and Android, it’s a compelling option—though it lacks some functionality due to restrictions on ECG and payment applications.

Pros:

• Exceptional battery life of up to 14 days, making it ideal for extended use without frequent charging
• Comprehensive health and fitness tracking with advanced metrics for runners, including ground contact time and left/right balance
• Premium, distinctive octagonal metallic design with ultra-hard coating that’s both lightweight (48g) and water-resistant

Cons:

• Limited functionality compared to full smartwatches, with restrictions on ECG, payment apps, and Petal maps
• Restricted messaging capabilities with minimal reply options for WhatsApp and other messaging apps
• Small storage capacity of only 128MB limits the number of songs and apps that can be stored on the device

Premium fitness enthusiasts who value convenience will find the Garmin Venu 3 an exceptional choice for contactless payments. The 1.4-inch AMOLED touchscreen displays crisp visuals while the slate stainless steel bezel adds sophistication to your wrist.

You’ll appreciate the impressive 14-day battery life that keeps you connected without constant recharging. With built-in GPS, heart rate monitoring, and sleep coaching, this smartwatch becomes your personal health assistant. The Morning Report and Body Battery™ features provide actionable insights to optimize your day.

Users consistently praise its comfort, intuitive interface, and extensive fitness tracking—making it worth the investment at #53 in smartwatch rankings.

Pros:

• Exceptional 14-day battery life eliminates the need for frequent charging
• Comprehensive health tracking with features like Morning Report, Body Battery™ monitoring, and sleep coaching
• High-quality 1.4-inch AMOLED touchscreen with intuitive navigation and customizable watch faces

Cons:

• Some users report concerns about screen durability over time
• Higher price point compared to basic fitness trackers with fewer premium features

The OnePlus Watch 2 stands out in the smartwatch market with its impressive 100-hour battery life, making it ideal for busy professionals who don’t want to charge their device daily. Its stainless-steel chassis and sapphire crystal face offer durability with 5ATM and IP68 ratings.

You’ll enjoy Google Pay integration through Wear OS 4, allowing seamless contactless payments. The dual-chipset architecture balances performance with power efficiency, while the 1.43″ AMOLED display remains visible even in bright conditions. Health tracking covers everything from heart rate to stress levels, with 100+ sport modes available.

Pros:

• Impressive 100-hour battery life in Smart Mode with fast charging capability
• Premium build quality with stainless steel chassis and sapphire crystal face that’s both durable and stylish
• Comprehensive health tracking with over 100 sport modes and seamless Google services integration through Wear OS 4

Cons:

• Limited third-party app ecosystem compared to Apple and Samsung competitors
• Restricted customization options for watch faces
• Limited availability of accessories and some users report issues with the rotating crown functionality

Powered by the Snapdragon W5+ Gen 1 platform, the Ticwatch Pro 5 represents an excellent NFC payment solution specifically for Android users who need extended battery life between charges. Its 628mAh battery delivers up to 80 hours of use, with fast charging that gets you from 0 to 65% in just 30 minutes.

You’ll appreciate the Google Pay compatibility through its built-in NFC chip, combined with a responsive 1.43-inch OLED display and rotating crown for easy navigation. Health enthusiasts benefit from thorough tracking features including heart rate monitoring, sleep analysis, and 100+ sport modes. The 5ATM water resistance guarantees durability for everyday wear.

Pros:

• Remarkable 80-hour battery life with fast charging technology (0-65% in 30 minutes) makes it ideal for extended use
• Powered by the advanced Snapdragon W5+ Gen 1 platform, providing smooth performance and responsive interface
• Comprehensive health monitoring with 100+ sport modes, heart rate tracking, and sleep analysis in a durable 5ATM water-resistant design

Cons:

• Only compatible with Android devices, completely excluding iPhone users
• At 10.8 ounces, it’s relatively heavy compared to other smartwatches on the market
• Limited selection of watch faces and bands according to user feedback

Blending traditional analog elegance with cutting-edge health technology, Withings ScanWatch 2 offers professional-grade health monitoring without sacrificing style. You’ll get medical-grade ECG capabilities, detecting atrial fibrillation in just 30 seconds.

The impressive 30-day battery life means you won’t constantly search for chargers. It tracks your heart rate 24/7, monitors temperature with TempTech24/7, and delivers thorough sleep analysis including duration and quality.

While some users report GPS tracking limitations, the watch excels in health monitoring. Its traditional appearance makes it perfect for those who want health insights without the obvious tech aesthetic of typical smartwatches.

Pros:

• Impressive 30-day battery life eliminates frequent charging concerns
• Medical-grade ECG capability provides professional health monitoring in an elegant, everyday wearable
• Comprehensive sleep tracking with detailed metrics and quality score helps improve rest quality

Cons:

• GPS tracking functionality receives mixed reviews from users
• Some users report battery issues and charging difficulties
• Hybrid design may disappoint those wanting a full digital display interface

Samsung’s latest Galaxy Watch 7 40mm Bluetooth AI Smartwatch delivers contactless payment capabilities alongside an impressive suite of wellness features. The cream-colored 40mm model offers personalized health insights through its Energy Score and Wellness Tips functions.

Released in July 2024, this AMOLED touchscreen watch tracks heart rate, monitors sleep patterns, and even detects moderate to severe sleep apnea after consistent use. You’ll appreciate the automatic workout detection and extensive fitness tracking options.

While battery life extends to three days with moderate use, you might need power-saving mode for overnight sleep tracking. The watch requires a compatible Samsung Galaxy phone to access all Galaxy AI features.

Pros:

• Offers advanced health monitoring including heart rate tracking, sleep apnea detection, and personalized Energy Score to gauge daily readiness
• Features a sleek AMOLED touchscreen display in an attractive cream color option with contactless payment capabilities
• Seamlessly integrates with Samsung ecosystem through Galaxy AI features and compatible third-party apps

Cons:

• Limited battery life may require power-saving mode for overnight sleep tracking functions
• Full Galaxy AI features require a compatible Samsung Galaxy phone, restricting functionality for non-Samsung users
• Some health monitoring features like blood pressure tracking may not be available in all regions

The Apple Watch Series 10 GPS 46mm delivers contactless payment convenience in a sleek, jet black aluminum package that’s been redesigned to be thinner and lighter than previous models. The expanded display offers 30% more screen area while maintaining compatibility with previous bands.

You’ll appreciate the extensive health features including ECG, sleep tracking, and newly added sleep apnea notifications. For fitness enthusiasts, customizable workouts and training load metrics enhance your exercise experience.

With 18 hours of battery life (extendable to 36 hours in Low Power Mode) and fast charging capabilities, you won’t miss a payment opportunity. Safety features like Fall Detection and Emergency SOS provide peace of mind while you’re on the go.

Pros:

• Redesigned thinner, lighter form with 30% more screen area while maintaining compatibility with previous watch bands
• Comprehensive health monitoring including ECG, sleep tracking, and new sleep apnea notifications
• Robust battery life with 18 hours standard use (extendable to 36 hours) and fast charging that reaches 80% in about 30 minutes

Cons:

• High price point compared to other smartwatches on the market
• Limited to iPhone Xs or later users, with no Android compatibility
• Some features like sleep apnea monitoring may require extended use before providing meaningful insights

Fitness enthusiasts seeking a blend of traditional style and modern technology will find the Xiaomi Watch S3 an impressive contender in the smartwatch market. Its 1.43-inch OLED display combines with a customizable textured bezel that automatically switches watch faces when changed.

You’ll appreciate the exceptional battery life—up to 15 days with normal use or 30 days in power-saving mode. With over 150 sports modes and integrated GPS, it’s ready for any activity. The watch includes thorough health monitoring through dual sensors tracking heart rate, SpO2, sleep, and stress.

One caveat: NFC payment functionality may not work in all regions.

Pros:

• Exceptional battery life lasting up to 15 days with normal use and 30 days in power-saving mode
• Customizable design with interchangeable bezels that automatically switch to matching watch faces
• Comprehensive health and fitness tracking with over 150 sports modes and integrated GPS

Cons:

• NFC payment functionality doesn’t work in all regions
• Some users report issues with Alexa functionality in certain locations
• Music control requires phone screen activation, limiting convenience

Factors to Consider When Choosing Smartwatches With NFC For Contactless Payment

When selecting a smartwatch with NFC payment capabilities in 2025, you’ll need to verify compatibility with your preferred payment providers like Apple Pay, Google Pay, or Samsung Pay. Consider how NFC transactions affect battery performance, as contactless payments can drain power faster on some models. Look for advanced security features, intuitive user interfaces, and international payment support if you travel frequently.

NFC-Supported Regions & Banks:

The main thing you should consider is which NFC contactless payment system you want. Luckily, all major smartwatch companies have their own NFC Payment systems. 

Apple Watch has Apple Pay, Samsung has Samsung Pay, Garmin has Garmin Pay, Google has Google Pay and Fitbit has Fitbit Pay. When it comes to availability, most of them work almost everywhere but systems such as Apple Pay are available in selected regions such as US, and Europe. 

So, before you choose your next smartwatch with NFC Payment, please make sure that its respective payment system is available in your country. 

1. Apple Pay is available in the US, Europe, South Africa, and other major regions. You can check the complete list of supported regions here.
2. Fitbit Pay is available in all major regions including the US, UK, UAE, and other countries. You can check the complete list of supported regions here.
3. Google Pay is available in the US, UK, Australia, Austria, Germany, and other major regions. Please check the complete list of supported regions here.
4. Samsung Pay is currently available in limited countries including the US, Canada, UAE, Sweden, and Switzerland. You can check the complete list of supported countries here.
5. Garmin Pay is the default NFC payment system on Garmin smartwatches and it’s available in countries such as the US, UK, Canada, Greece, and UAE. You can check the complete list of supported countries and banks here.

Phone Compatibility:

Before you choose your NFC Smartwatch, it’s important you also make sure that your Phone is compatible with your smartwatch. 

Apple Watches (Apple Pay) only works with iPhones and you can’t use them on Android.

Similarly, Wear OS (Google Pay) smartwatches can’t be connected to iPhones and they will only work with Android Smartphones. 

So, before you make up your mind, ensure that your selected smartwatch and NFC Payment system are compatible with your smartphone.

Payment Provider Compatibility

Before selecting a smartwatch with NFC capabilities, you’ll need to verify its compatibility with your preferred payment providers. Most NFC-enabled smartwatches work with major cards like Visa, Mastercard, and American Express, but this varies by model and region.

Check if your smartwatch requires specific payment apps like Google Pay or Apple Pay, as these often need a compatible smartphone to function properly. Your bank’s support is equally important—not all financial institutions integrate with every smartwatch payment system.

Remember that payment partnerships can change over time. A software update might add or remove support for certain providers, so stay informed about your device’s latest capabilities. Regional restrictions may also limit which payment options are available in your area.

Battery Life Impact

Battery endurance remains a critical factor when selecting NFC-enabled smartwatches for contactless payments. You’ll need a device that can reliably power your payment capabilities throughout the day without constant recharging. While some premium models offer impressive 14-day battery life, others require daily charging—a significant consideration if you’re frequently using NFC payments.

Look for smartwatches featuring rapid charging technology, which can quickly restore power during short breaks. Power-saving modes are equally valuable, as they maintain essential NFC functionality even when battery levels drop.

Consider how your usage patterns affect battery performance. If you’re simultaneously tracking health metrics and making payments, you’ll need a smartwatch with robust power management. The best NFC smartwatches balance feature-rich experiences with practical battery life that supports your payment needs.

Transaction Security Features

Securing your financial data should be a top priority when selecting an NFC-enabled smartwatch for contactless payments. Look for devices that incorporate secure element technology, which creates an isolated environment where your payment information remains protected from unauthorized access.

You’ll want a smartwatch that employs tokenization, replacing your actual card details with unique identifiers during transactions. Biometric authentication features, such as fingerprint scanning or continuous heart rate monitoring, provide an additional layer of security by verifying it’s really you making the purchase.

Don’t overlook encryption protocols that safeguard data transmission between your watch and payment terminals. Finally, check that your chosen device complies with EMV standards, ensuring it meets industry-recognized security requirements for contactless payments.

User Interface Design

Beyond security protocols, the way you interact with your smartwatch’s payment features can make or break your contactless payment experience. When evaluating NFC-enabled watches, prioritize those with intuitive navigation that minimizes transaction steps, allowing you to complete payments quickly while on the move.

Look for high-resolution, responsive touchscreens that provide clear visibility in various lighting conditions. The best interfaces incorporate haptic feedback, giving you tactile confirmation when transactions complete—particularly valuable in noisy environments where you can’t rely on audio cues.

Customizable watch faces and widgets are another essential feature, as they’ll let you position payment apps prominently for quick access. You’ll appreciate this personalization when rushing through turnstiles or standing in checkout lines, where every second counts.

International Payment Support

When traveling across borders, your smartwatch’s NFC payment capabilities need to work seamlessly regardless of your location. Look for devices compatible with global payment networks like Visa, Mastercard, and American Express to guarantee widespread acceptance.

Most premium smartwatches integrate with mobile wallet services—Apple Pay, Google Pay, or Samsung Pay—providing secure transactions across multiple countries. Before traveling, verify that your watch supports the currencies and payment standards of your destination.

Be aware that some smartwatches have region-specific limitations that might restrict functionality in certain countries. Check the manufacturer’s documentation for any geographical constraints.

For maximum security during international transactions, prioritize watches with advanced protection features like tokenization and biometric authentication, which safeguard your financial information while making contactless payments abroad.

Mobile Wallet Integration

The seamless integration of mobile wallets remains an essential factor to evaluate when selecting an NFC-enabled smartwatch in 2025. Look for devices that support popular services like Google Pay, Apple Pay, and Samsung Pay to guarantee compatibility with your existing payment methods.

Quality NFC smartwatches let you store multiple cards securely, eliminating the need to carry physical payment options. Advanced security features including tokenization and biometric authentication protect your financial data during transactions, giving you peace of mind.

Remember that most mobile wallet setups require pairing with a compatible smartphone for initial configuration and ongoing management. This connection provides a centralized control point for your payment methods, allowing you to quickly add, remove, or update cards as needed.

Pros and Cons of using Smartwatch with NFC for payments

While there are definite advantages to using a smartwatch with NFC for contactless payments, it is also important to consider the potential drawbacks. In this section, we will explore the pros and cons of utilizing a smartwatch with NFC for contactless payments.

Pros:

1. Convenience and Ease of Use: One of the biggest advantages of using a smartwatch with NFC for contactless payments is the convenience it offers. With a simple tap of your wrist, you can complete transactions without the need to reach for your wallet or smartphone. This streamlined process can save time, especially in situations where speed is crucial, such as during rush hour or when you’re in a hurry.
2. Increased Security: Smartwatches with NFC payments typically employ advanced security measures, such as tokenization and encryption, to safeguard your financial information. These features help protect against unauthorized access and reduce the risk of fraud compared to traditional payment methods like cash or credit cards. Additionally, the need for physical contact between the smartwatch and the payment terminal adds an extra layer of security, as it reduces the chances of someone intercepting your payment information.
3. Wide Acceptance: Contactless payment technology, including NFC, has gained widespread acceptance in many retail stores, restaurants, and public transportation systems. Using a smartwatch with NFC enables you to make payments at a variety of establishments, making it a versatile and convenient payment option.
4. Tracking and Budgeting: Some smartwatches with NFC payment capabilities offer additional features that help users track their expenses and budget more effectively. These watches can provide detailed transaction histories and spending summaries, allowing you to monitor your financial activities easily.

Cons:

1. Limited Compatibility: While contactless payment technology has gained popularity, not all establishments and payment terminals support NFC payments. Some retailers may not have the necessary infrastructure to accept payments from smartwatches, which limits the places where you can use this feature. It is important to ensure NFC payment support is available at your preferred locations before relying solely on your smartwatch for payments.
2. Battery Life: Utilizing NFC for contactless payments can consume a significant amount of battery power on your smartwatch. The constant communication required during payment transactions may drain the battery faster, which can be inconvenient if you rely heavily on your smartwatch for other functions throughout the day. It is advisable to consider battery life when choosing a smartwatch with NFC payment capability.
3. Potential Technical Issues: As with any technology, smartwatches with NFC payments may encounter technical issues or glitches. Connectivity problems, software bugs, or compatibility conflicts with payment terminals could disrupt the payment process, leading to frustration or delays during transactions.
4. Security Concerns: While NFC payments offer enhanced security compared to traditional payment methods, there is still a small risk of data breaches or hacking attempts. Although the chances of such incidents are relatively low, it is important to remain vigilant and take necessary precautions, such as enabling security features and regularly updating your smartwatch’s firmware.

Frequently Asked Questions [FAQs]

Can NFC Smartwatches Work Without a Smartphone Connection?

NFC smartwatches can work without your smartphone for contactless payments once setup. You’ll use stored payment info, but you won’t access features like notifications or streaming music without connection to your phone.

Do All Banks Support Smartwatch NFC Payments?

No, not all banks support smartwatch NFC payments. You’ll need to check if your bank partners with services like Apple Pay, Google Pay, or Samsung Pay before using your smartwatch for contactless transactions.

How Secure Are NFC Payments Compared to Physical Cards?

NFC payments are typically more secure than physical cards. You’re protected by tokenization, encryption, and biometric authentication. Plus, your actual card details aren’t shared during transactions, reducing the risk of data theft.

Can I Use NFC Smartwatches on Public Transportation?

Yes, you can use NFC smartwatches on public transportation systems that accept contactless payments. Simply tap your watch on the reader, just like you’d use a contactless card. Many transit systems worldwide support this convenient option.

What Happens if My NFC Smartwatch Is Stolen?

If your NFC smartwatch is stolen, you should immediately lock it remotely through its companion app and contact your bank to freeze payment methods. You’ll need to report the theft to police as well.

How To Check If NFC Is Working On My Smartwatch?

There are many ways you can use to check if NFC is working on your smartwatch. You can use apps such as NFC Smart Q App or Trigger for this purpose. If you are interested, please check this guide where I’ve shared various methods which you can use to check if NFC is working on your Smartwatch.

Does Google Pay Have Any Transaction Limits?

Yes, Google Pay comes with restrictions on the max amount which you can pay in a single transaction. If your identity is verified, it’s set to $5000 and if your identity is not verified, it is set to $700. Also, note that some banks also independently place limits on transactions via contactless payment systems. So, I’d recommend that you contact your bank as well to know if they have set any limits.

Are NFC Payments Via Smartwatches Secure?

Yes, NFC Payments via contactless payment methods such as Fitbit Pay, Apple Pay, Google Pay, Samsung Pay, and Garmin Pay are very secure. These payment systems use advanced tokenization systems to ensure that your bank details including your card number are never shared with the merchant. In this way, your bank details stay private and secure.

Conclusion

NFC Payment is undoubtedly the future of payment and it’s getting very popular quickly. In this guide, I’ve shared the top 10 smartwatches that come with NFC Payment support and they come with built-in NFC contactless payment systems which you can use for payments. 

utilizing a smartwatch with NFC for contactless payments provides several advantages, including convenience, security, and widespread acceptance.

However, it is crucial to consider the limited compatibility, battery life implications, potential technical issues, and security concerns associated with this technology.

By weighing these pros and cons, you can make an informed decision on whether a smartwatch with NFC payment capability aligns with your lifestyle and payment needs.

I hope that you found this guide useful and if you have any questions or recommendations, please let me know in the comments.

Also, if you have any concerns about the security of these NFC payment systems or want to know how secure they are, I’d recommend you to check this guide where I’ve compared the security of major contactless payment systems such as Apple Pay, Samsung Pay, and Google Pay.