Which Xiaomi & Amazfit Watches Have NFC & Contactless Payments?




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If you are looking for Xiaomi and Amazfit Smartwatches with NFC, this guide is for you.

It’s 2024 and NFC has become one of the most demanded features in smartwatches because it allows users to use their smartwatches for cashless payments.

smartwatches for cashless payments

Xiaomi and Amazfit being two big players in the smartwatch industry also offer NFC in some of their smartwatches and I’ll tell you about them.

If you’re looking for an Amazfit or Xiaomi watch for contactless payment outside of China then Amazfit Balance is your only option.

The Amazfit Balance is the only Amazfit watch that supports Zepp Pay. This smartwatch comes equipped with an NFC chip, enabling it to execute contactless transactions through Zepp Pay, developed in partnership with Mastercard. Users can add up to eight bank cards to the Zepp Pay system, although the basic plan allows only two cards without a subscription

In this WearToTrack Guide, I’ll cover the following topics:

  • List of Xiaomi and Amazfit Smartwatches that come with NFC
  • Can you use Amazfit or Xiaomi Smartwatches for Cashless Payments in the US?
  • Does Xiaomi and Amazfit Smartwatches support Google Pay?
  • And many more!

So, without any further ado, let’s get started.

Here is a related article that might interest you on Xiaomi Watches That Can Make And Receive Calls In 2024.


Top pick

Amazfit Balance

  • Memory Storage Capacity: 4 GB
  • Screen Size: 1.5 Inches

Editor’s choice

Xiaomi Mi Band 7

  • Screen Size : 1.62 Inches
  • Connectivity Technology: Bluetooth

Best Value

Xiaomi Mi Band 6 NFC

  • Connectivity Technology: USB
  • Screen Size: 4 Centimeters

List of Xiaomi & Amazfit Watches With NFC In 2024

Xiaomi and Amazfit offer a variety of smartwatches, but not all of them come with NFC, which is why I have handpicked the ones with NFC. Let’s have a look.

1. Amazfit Balance – The only Amazfit That you can use for contactless payment outside China

  • Memory Storage Capacity: 4 GB
  • Screen Size: 1.5 Inches
  • Connectivity Technology: Bluetooth

Introducing the Amazfit Balance Smartwatch, an innovative wearable that seamlessly integrates advanced health and wellness features with cutting-edge technology. Powered by the intuitive Zepp OS 3.5, the Amazfit Balance offers a harmonious user experience through Zepp Flow™ Interaction and English voice support, ensuring an effortless connection between you and your device.

A standout feature of the Amazfit Balance is its comprehensive health and wellness analysis. The smartwatch provides detailed mental and physical readiness insights, measures body composition, and offers AI-driven sleep and fitness coaching to help you understand your readiness score based on sleep data.

Navigating your outdoor adventures is made easy with the new offline maps feature, dual-band GPS, and support for six satellite positioning systems, delivering precise and accurate location tracking.

The Amazfit Balance also takes your fitness routine to the next level with Zepp Coach™ personalized training. With over 150 sports modes and tailored workout plans, you receive expert fitness guidance and customized training templates to meet your individual fitness goals. The Zepp Fitness Membership further enhances your experience by offering personalized advice.

Additionally, the Amazfit Balance smartwatch is equipped with NFC capabilities and supports contactless payments via the Zepp Pay app. This feature allows for easy and secure transactions on the go, making your smartwatch not just a fitness companion, but a convenient tool for everyday life.

2. Xiaomi Mi Band 7

Xiaomi Mi Band 7 Activity Tracker
  • Screen Size : 1.62 Inches
  • Connectivity Technology: Bluetooth
  • Battery Capacity: 180 Milliamp Hours
  • Memory Storage Capacity: 12 GB

Let’s start with the Xiaomi Mi Band 7 which is arguably one of the most popular Xiaomi fitness bands out there. 

It comes in two variants: Global and NFC variants. Unfortunately, NFC Variant is only available in China so if you are from China, you can use it for cashless payments. However, in the US and other regions, you will only get the Global Version that doesn’t come with GPS. 

If somehow you even get the NFC Variant in the US, it won’t work because it’s not supported by banks. However, you can store your subway card, bus card, access card, and other information on Mi Band 7 to get contactless access.

When it comes to features, the Mi Band 7 comes with an AMOLED display and useful features such as SPO2, heart-rate monitoring, tons of workout modes, and a step counter.


  • Comes with AMOLED Display
  • Useful features such as SPO2 and heart-rate monitoring
  • Decent build quality
  • Good tracking
  • Great Value for Money


  • NFC Variant is only available for the Chinese Market

3. Xiaomi Mi Band 6 NFC

  • Connectivity Technology: USB
  • Screen Size: 4 Centimeters

Xiaomi Mi Band 6 is the predecessor of Mi Band 7 and this one does come with NFC support in the global Version. 

As I mentioned the Mi Band 6 comes with NFC but there’s a caveat to it. Although it has NFC, none of the banks outside China support it. So, even if you have the NFC-supported Mi Band 6, you won’t be able to use it for cashless payments. However, you can store your access cards, subway cards, bus cards, and other data on the NFC chip to get contactless access.

When it comes to features, Mi Band 6 also comes with an AMOLED panel and fitness tracking features such as workout monitoring, tons of exercise modes, SPO2, Heart-rate monitoring, and a step counter.


  • AMOLED Display
  • Comes with built-in NFC
  • Offer features such as SPO2 and heart-rate monitoring
  • Decent build quality
  • Accurate tracking
  • Great Value for Money


  • NFC doesn’t work outside of China

4. Amazfit GTR 2

Amazfit GTR 2 Smart Watch
  • Memory Storage Capacity: 2300 MB
  • Screen Size: 1.39
  • Connectivity Technology: Wireless, Bluetooth

Amazfit GTR 2 is another very popular Xiaomi watch that comes with a built-in NFC. You can use the GTR 2 to make contactless payments without any problem.

However, like other smartwatches on the list, NFC Payments will only work in China. If you are in the US or any other region outside China, you won’t be able to use GTR 2 for NFC Payments.

On top of that, it also allows you to store the digital key of the smart door lock, access card, and more. Also, it supports the bus cards of over 300 cities covering over 20,000 public transport routes.

Apart from NFC, GTR 2 also comes with other advanced features such as Sleep Monitoring, Heart rate tracking, blood oxygen saturation measurement, and more. It also has a music storage option where you can store your favorite music offline and enjoy it without the internet.

Overall, if you want a Xiaomi watch with NFC and tons of other great features, the Amazfit GTR 2 is a solid option for you.


  • Comes with built-in NFC
  • Premium Design
  • Good Value for Money
  • Equipped with features such as SPO2, Heart-rate tracking, and sleep monitoring
  • Accurate Tracking


  • NFC Payments are only supported in China

5. Amazfit GTR 2e

Amazfit GTR 2e Smartwatch
  • Operating System: Amazfit OS
  • Memory Storage Capacity: 2300 MB
  • Screen Size: 1.39 Inches

Amazfit GTR 2e is another Xiaomi watch that comes with a built-in NFC. So, If you are from China, you can use it for cashless payments but you can’t use Amazfit GTR 2e for cashless payments in the US or European region. You can also use it to store your subway cards or other data to get contactless access.

The watch also comes with a very elegant design which gives it a premium look. When it comes to features, you get a variety of watch faces, Always on Display, activity tracking, heart-rate monitoring, Blood Oxygen Saturation Measurement, and more.


  • Comes with built-in NFC for cashless payments
  • Modern Design
  • Accurate Tracking
  • Offers advanced features including SPO2, Heart-rate monitoring, and AOD.
  • Good Value for Money


  • NFC Payment feature is only supported in China

Do Amazfit and Xiaomi Support Cashless Payments in the US?

If you notice the above section, you will notice that all of these smartwatches from Xiaomi and Amazfit have NFC but they don’t support cashless payments unless to the new Amazfit Balance. So, I have done some research on it and found that it’s due to the following reasons.

Lack of Partnerships

The first reason why Amazfit and Xiaomi don’t support cashless payments in the US is due to a lack of partnerships. 

If a company wants to offer cashless payments for its smartwatch users in the US, the company will need to establish partnerships with the US Banks and for unknown reasons, both companies decided not to do it.

Regulatory Requirements

The second reason is the regulatory requirement. If both smartwatch companies want to offer cashless payments in the US, they will need to comply with regulatory requirements so that the money of consumers stays safe. 

Popular companies such as Google Pay, Apple Pay, Samsung Pay, Fitbit Pay, and Garmin Pay are compliant with regulatory requirements in the US which is why their users can do cashless payments. 

However, Xiaomi and  Amazfit don’t comply with regulatory requirements which is why its NFC Payments feature is not available in the US or other regions outside China.


The last reason could be due to fierce competition in the NFC Payments sector. In the US, all major smartwatch companies such as Google, Apple, Garmin, Fitbit, and Samsung offer their own cashless payment systems and they are pretty popular. 

Due to the popularity of these payment systems, it can be difficult for new players to enter the market and become successful. So, it could be the reason why Xiaomi and Amazfit decided not to enter the US market with their own Payment Systems which is surely disappointing for Xiaomi and Amazfit Users.

Do Amazfit Watches Work with Google Pay?

When it comes to integrating with Google Pay, there is a notable limitation. As of now, no Amazfit watch supports Google Pay.

Google Pay is a widely-used mobile payment service that allows users to make payments directly from their smartwatch or smartphone. For a smartwatch to support Google Pay, it needs to have Near Field Communication (NFC) capability and compatibility with the Google Pay platform.

While some Amazfit watches do come with NFC features, they are generally not configured to work with Google Pay. Instead, Amazfit often uses its own proprietary payment systems or collaborates with regional payment services.

If seamless integration with Google Pay is a crucial feature for you, it may be worth considering other smartwatch brands that offer direct support for the service, such as certain models from Samsung’s Galaxy Watch series or Google’s own Wear OS-powered watches.

Review of Zepp Pay: The Future of Contactless Payments on Amazfit Balance Smartwatch

Zepp Pay is revolutionizing the way we handle transactions with its fast, secure, and incredibly convenient contactless payment system. Integrated into the Amazfit Balance smartwatch, Zepp Pay allows users to bind up to eight bank cards, making it a versatile financial tool right on your wrist.

Key Features and Benefits:

  1. Swift and Secure Transactions:
    Zepp Pay ensures that your transactions are not only quick but also highly secure. The system uses password-protected contactless payments to safeguard your financial information.
  2. NFC Technology Integration:
    By leveraging NFC technology, Zepp Pay makes transactions seamless. Simply hold your Amazfit Balance smartwatch near a reader for an instant payment.
  3. Mastercard Partnership:
    The collaboration with Mastercard enhances the reliability and widespread acceptance of Zepp Pay, making it a trusted option for users globally.
  4. Comprehensive Financial Control:
    Through the Zepp App, users can access Zepp Pay effortlessly, manage their cards, and keep track of their spending with ease.

Amazfit Balance Smartwatch:

The Amazfit Balance smartwatch is more than just a payment device; it’s a holistic lifestyle hub. This smartwatch helps users balance their health, activity, finances, and schedules, promoting overall harmony of mind and body. With advanced AI and sensors, the Amazfit Balance supports a balanced lifestyle, integrating seamlessly with Zepp Pay for contactless payments.

Setting Up Zepp Pay:

Setting up Zepp Pay is straightforward and prioritizes privacy and security. Users need to enable the off-wrist lock function on their Amazfit Balance and safeguard transactions with a passcode. Adding a Mastercard through the Zepp App is simple, and payments can be made by accessing Zepp Pay through the app menu or double-tapping the crown.

Curve Account Setup and Verification:

To enhance the functionality of Zepp Pay, users can set up a Curve account. The process involves installing the Curve app, entering personal details, and verifying the account with ID verification. This setup offers immediate access to a virtual Curve Card, allowing users to link and verify their first payment card seamlessly.

Supported Countries:

Zepp Pay is supported by Curve and participating issuer banks in 31 countries, including:

  • Portugal
  • Poland
  • Republic of Ireland
  • Romania
  • Serbia
  • Austria
  • Belgium
  • Bulgaria
  • Croatia
  • Cyprus
  • Czech Republic
  • Denmark
  • Estonia
  • And more…

For a complete list of supported banks and locations, refer to the Zepp Pay Privacy Policy and User Agreement.

Frequently Asked Questions [ FAQs ]

Can I use other NFC payment methods on Amazfit watches without Zepp Pay?

Based on our research, the Amazfit Balance is the only Amazfit watch explicitly mentioned to support Zepp Pay, which is a contactless payment system developed in partnership with Mastercard and Curve

There is no information about other NFC payment methods being available on Amazfit watches without Zepp Pay. The focus is solely on Zepp Pay for the Amazfit Balance, and no alternative NFC payment methods are mentioned for other Amazfit models. Therefore, it appears that other NFC payment methods are not supported on Amazfit watches without Zepp Pay.

Are there any third-party apps for NFC payments on Amazfit watches?

There are no third-party apps mentioned that support NFC payments on Amazfit watches. The only NFC payment method explicitly supported is Zepp Pay, which is available exclusively on the Amazfit Balance smartwatch

Which Amazfit watches support Zepp Pay?

The Amazfit Balance is the only Amazfit Smartwatch that supports Zepp Pay.

Does Amazfit Bip U Pro have NFC?

No, Amazfit Bip U Pro doesn’t have NFC support which means that you can’t use it for cashless payments.

Does Amazfit GTR 4 have NFC Support?

No, Amazfit GTR 4 doesn’t come with a built-in NFC Chip which means that it can’t be used for cashless payments.

Is Amazfit Nexo discontinued?

Amazfit Nexo is another Amazfit smartwatch that comes with NFC but it appears that the company has discontinued it. It’s no longer available on Amazfit’s official website and no major retailer is selling it in the US.

Does Amazfit X come with NFC?

Amazfit X is a premium smartwatch that comes with a futuristic 3D curved design and premium built quality. It also comes with many advanced features, but it lacks the NFC, which is pretty surprising because most modern smartwatches these days come with NFC.

Does Amazfit T-Rex Pro have NFC?

Amazfit T-Rex Pro is a premium sports smartwatch by the company that comes with many advanced features, but it lacks the NFC chip, which means that you can’t use it for cashless payments.

Does Amazfit Neo have NFC?

No, like most Amazfit Smartwatches, Amazfit Neo also doesn’t come with NFC Chip, and you can’t use it for cashless payments.

Can I use the Xiaomi Mi Watch for Cashless Payments?

Xiaomi Mi Watch is a top-of-the-line smartwatch by the company, but surprisingly, it lacks the NFC feature, which means that you can’t use it on NFC Terminals for payments.

Does Amazfit GTR 3 Pro have NFC Support?

Amazfit GTR 3 Pro is another smartwatch from the fashion lineup, and it comes with many pro features, but unfortunately, it also lacks NFC Support, which means that you can’t use it for payments at NFC Terminal.

Does Amazfit Stratos 3 Pro have NFC Support?

Amazfit Stratos is the budget lineup by the company, and it comes with many smartwatches, including Stratos, Stratos 3, and Stratos+. None of these smartwatches comes with NFC Support, and you can’t use them for cashless payments.

Does Xiaomi Mi Watch Lite Support NFC Payments?

No, the Xiaomi Mi Watch Lite doesn’t support NFC payments because it doesn’t come with NFC Chip.

Which Xiaomi Watches support Google Pay?

Like other brands such as Apple (Apple Pay), Samsung (Samsung Pay), and Google (Google Pay), Xiaomi watches only work with Mi Pay which is the company’s very own payment system.

So, if you want to use Google Pay, you will need to get a smartwatch that has the Wear OS Operating System.

Which Xiaomi and Amazfit Watches come with NFC Support?

Xiaomi and Amazfit offer a wide range of smartwatches and fitness trackers but only a few of them come with built-in NFC. These are the Xiaomi and Amazfit Watches that come with built-in NFC.

  1. Xiaomi Mi Band 7
  2. Xiaomi Mi Band 6
  3. Amazfit GTR 2
  4. Amazfit GTR 2e
  5. Amazfit Balance

Does Amazfit Bip Series have NFC Support?

Amazfit Bip Series is another lineup by the company that features over 5 smartwatches, including Bip, Bip Lite, Bip S lite, Bip U Series, and Bip S. None of these smartwatches have NFC Support, and you can’t use them for cashless payments.


Xiaomi and Amazfit smartwatches come with amazing features and many of them come with NFC Support. However, none except the Amazfit Balance support cashless payments outside China. Even if you get a Xiaomi or Amazfit smartwatch with NFC support, you won’t be able to do any cashless transactions. 

So, If you want to use the cashless payment systems, I’d recommend that you buy a smartwatch from a brand that supports NFC Payments or The Amazfit Balance in case you are an Amazfit lover.

If you are interested, you can check this guide where I’ve shared the 10 best smartwatches that support NFC Payments. If you have any questions, please feel free to reach me via comments and I’ll get back to you as soon as possible.

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