You’re looking for the perfect NFC-enabled smartwatch to simplify your payments in 2025, but the market’s overwhelming variety can make choosing difficult. Today’s top models offer much more than just tap-to-pay convenience—they’re health monitors, fitness trackers, and style statements all wrapped into one sleek device. From Apple’s latest innovation to budget-friendly alternatives that don’t skimp on features, we’ve tested the most impressive contactless payment watches to help you find your perfect match.
Apple Watch Series 10
The Apple Watch Series 10 stands as the ultimate NFC-equipped companion for health-conscious iPhone users seeking both style and substance. You’ll appreciate the sleek Jet Black Aluminum Case paired with an Ink Sport Loop in a thinner, lighter design that doesn’t sacrifice durability.
Health monitoring is thorough with ECG, heart rate notifications, sleep tracking, and even sleep apnea detection. The larger display (30% more screen area) makes navigation effortless, while the 18-hour battery life extends to 36 hours in Low Power Mode.
Beyond payments, you’ll benefit from safety features like Fall Detection and Emergency SOS that provide peace of mind wherever you go.
Best For: Health-conscious iPhone users who want a premium smartwatch with extensive fitness tracking, health monitoring, and safety features in a sleek, durable design.
Pros:
- Comprehensive health features including ECG, heart rate monitoring, sleep tracking, and new sleep apnea notifications
- Improved design with 30% larger display, thinner profile, and strong durability (IP6X dust and 50m water resistance)
- Extended battery life options with fast charging (80% in 30 minutes) and Low Power Mode that extends use to 36 hours
Cons:
- Premium pricing may be prohibitive for budget-conscious consumers
- Limited compatibility (requires iPhone Xs or later) unlike some competitor smartwatches
- Additional bands must be purchased separately for style versatility
Samsung Galaxy Watch 7
Samsung’s Galaxy Watch 7 40mm combines cutting-edge AI technology with extensive health tracking, making it an ideal companion for health-conscious individuals who want detailed insights into their wellness journey.
Released in July 2024, this cream-colored smartwatch features an AMOLED touchscreen and delivers personalized Energy Scores and Wellness Tips based on your data. You’ll enjoy improved heart rate tracking accuracy, extensive sleep monitoring including sleep apnea detection, and automatic workout tracking.
With NFC capabilities, you can make contactless payments while maintaining Bluetooth connectivity to your Samsung device. Though battery life extends to three days with moderate use, you might need power-saving mode for uninterrupted sleep tracking.
Best For: Health-conscious Samsung users looking for a compact smartwatch with advanced AI-powered health tracking features, personalized insights, and seamless integration with other Samsung devices.
Pros:
- Offers comprehensive health tracking including improved heart rate monitoring, sleep apnea detection, and personalized Energy Score features powered by Galaxy AI
- Compact 40mm design with AMOLED touchscreen and attractive cream color option that suits most wrist sizes
- Simple setup process with broad app compatibility including voice assistants and convenient features like NFC for contactless payments
Cons:
- Battery life may require power-saving mode to last through nighttime sleep tracking sessions
- Full Galaxy AI features require a compatible Samsung Galaxy phone, Samsung Health app, and Samsung account
- Some health monitoring features may have regional limitations, with certain capabilities exclusive to the US version
Google Pixel Watch 3
Boasting a massive 45mm Actua display that’s twice as bright and 40% larger than its predecessors, Google’s Pixel Watch 3 stands out as the ideal choice for Android users who want thorough health tracking without sacrificing style.
You’ll appreciate the advanced Fitbit-powered features including ECG, custom workouts with real-time guidance, and extensive sleep analysis. The watch seamlessly integrates with your Google ecosystem while supporting contactless payments through NFC. Battery life stretches to 24 hours with rapid charging when you’re in a hurry. While some features require Fitbit Premium, the intuitive interface and improved processing speed make this matte black aluminum timepiece a worthy contender in the 2025 smartwatch market.
Best For: Android users seeking a premium smartwatch with comprehensive fitness tracking, larger display, and seamless Google ecosystem integration.
Pros:
- Advanced Fitbit-powered health features including ECG, custom workouts, readiness tracking, and form monitoring
- 45mm Actua display that’s twice as bright and 40% larger than previous models
- Seamless integration with Google ecosystem products including Pixel phones, Pixel Buds, and Nest devices
Cons:
- Some advanced features require a Fitbit Premium subscription for full access
- Battery life may be insufficient for some users, requiring daily charging
- ECG readings have been reported as inconclusive by some users
Garmin Venu 3
Fitness enthusiasts seeking the perfect blend of health tracking and everyday convenience will find their match in Garmin’s Venu 3 Smart Watch. The sleek 45mm device features a vibrant 1.4-inch AMOLED touchscreen that’s easy to navigate with intuitive buttons.
You’ll appreciate the impressive 14-day battery life that outlasts most competitors. The Venu 3 excels with thorough health monitoring including Morning Report, Sleep Coach, and Body Battery™ tracking. Its built-in GPS and auto-tracking capabilities guarantee your workouts are accurately recorded without manual input.
With NFC functionality for contactless payments, you won’t need to carry your wallet during runs or gym sessions.
Best For: Fitness enthusiasts and active individuals seeking a comprehensive health tracking smartwatch with extended battery life and intuitive interface.
Pros:
- Exceptional 14-day battery life outlasts most competitor smartwatches
- Comprehensive health monitoring with features like Morning Report, Sleep Coach, and Body Battery™ tracking
- Built-in GPS and automatic activity tracking provide accurate workout data without manual input
Cons:
- Some users report concerns about screen durability over time
- Higher price point compared to basic fitness trackers
- Limited third-party app ecosystem compared to Apple or Samsung smartwatches
Fitbit Sense 2
The Fitbit Sense 2 stands out among NFC-equipped smartwatches with its extensive stress management system featuring continuous electrodermal activity (cEDA) monitoring and a daily Stress Management Score.
You’ll appreciate the thorough health tracking including ECG app, SpO2 monitoring, and personalized sleep profiles. With Fitbit Pay via NFC, you can make contactless payments while enjoying 40+ exercise modes and built-in GPS.
The 6+ day battery life outperforms many competitors, though you might encounter some connectivity issues with smartphones. While the included 6-month Premium membership enhances functionality, be aware that some users report limitations in app customization compared to earlier models.
Best For: Health-conscious individuals seeking comprehensive stress management, sleep tracking, and fitness monitoring in a smartwatch with extended battery life.
Pros:
- Advanced health tracking with cEDA stress detection, ECG monitoring, and personalized sleep analysis
- Exceptional battery life exceeding 6 days with rapid charging capabilities
- Extensive fitness features including built-in GPS, 40+ exercise modes, and water resistance up to 50 meters
Cons:
- Connectivity issues with smartphones and delayed notifications reported by many users
- Limited app functionality compared to previous Fitbit models and competitors
- Concerns about wristband durability with reports of rashes and breakage from extended wear
ONEPLUS Watch 2
Android users seeking a premium smartwatch with exceptional battery life will find the OnePlus Watch 2 hard to beat in 2025. Its stainless-steel chassis and sapphire crystal face offer durability with 5ATM and IP68 ratings.
You’ll enjoy up to 100 hours of use in Smart Mode or 12 days in Power Saver Mode. The dual-engine architecture efficiently manages power while maintaining performance.
The watch excels with extensive health tracking, including heart rate, SpO2, and sleep monitoring. With Wear OS 4, you’ll get seamless Google services, contactless payments, and notification management. Interchangeable straps let you switch between sporty and formal looks effortlessly.
Best For: Android users who prioritize exceptional battery life, premium design, and comprehensive health tracking features in a versatile smartwatch.
Pros:
- Impressive battery life of up to 100 hours in Smart Mode or 12 days in Power Saver Mode
- Durable construction with stainless-steel chassis, sapphire crystal face, and 5ATM/IP68 ratings
- Comprehensive health and fitness tracking with over 100 sports modes and seamless Google services integration
Cons:
- Limited third-party app ecosystem compared to Apple and Samsung competitors
- Fewer customization options for watch faces than users might prefer
- Some concerns about accessory availability and usability of certain features like the rotating crown
Ticwatch Pro 5
Powered by the advanced Snapdragon W5+ Gen 1 platform, the Ticwatch Pro 5 delivers exceptional NFC functionality through Google Pay and Google Wallet, making it ideal for tech-savvy men who need contactless payments on the go.
You’ll enjoy impressive 80-hour battery life with fast charging capabilities that give you a day’s power in just 15 minutes. The 1.43-inch OLED display pairs with an intuitive rotating crown for seamless navigation through apps and menus.
Beyond payments, you’ll benefit from thorough health tracking including heart rate, blood oxygen, and sleep monitoring, all while accessing 100+ sports modes with built-in GPS.
Best For: Tech-savvy Android users seeking a premium smartwatch with exceptional battery life, comprehensive health tracking, and convenient contactless payment options.
Pros:
- Impressive 80-hour battery life with fast charging (65% in 30 minutes) greatly reduces downtime
- Advanced health monitoring features including heart rate, blood oxygen, sleep tracking, and irregular heartbeat detection
- Powered by Snapdragon W5+ platform with 2GB RAM and 32GB storage for smooth performance and ample app storage
Cons:
- Compatible only with Android devices, excluding iPhone users entirely
- Limited customization options with user feedback requesting more watch faces and bands
- Relatively hefty at 10.8 ounces, which may feel bulky on smaller wrists during extended wear
Withings ScanWatch 2
Designed for health-conscious professionals who prefer classic aesthetics, Withings ScanWatch 2 stands out with its impressive 30-day battery life and extensive medical-grade monitoring capabilities.
You’ll appreciate the hybrid design that blends traditional watch styling with modern health tracking. The watch excels at heart monitoring with medical-grade ECG and 24/7 heart rate tracking. Its TempTech24/7 module provides continuous temperature monitoring, while advanced sleep tracking offers thorough insights into your rest quality.
Though some users report GPS limitations, the elegant 42mm design makes it perfect for those wanting health data without sacrificing style or being overwhelmed by connectivity features.
Best For: Health-conscious professionals who appreciate traditional watch aesthetics but desire comprehensive health tracking features without the constant need to recharge.
Pros:
- Impressive 30-day battery life eliminates frequent charging concerns
- Medical-grade ECG and health monitoring features provide clinical-quality health insights
- Elegant hybrid design combines classic watch styling with modern health technology
Cons:
- Limited GPS functionality compared to dedicated fitness trackers
- Some users report charging difficulties and battery issues
- Lacks full-face digital screen that some smartwatch users might prefer
Xiaomi Watch S3
The Xiaomi Watch S3 stands out as a premium smartwatch option for tech enthusiasts who value both style and extended battery life. The 1.43-inch AMOLED display shows your notifications with vibrant clarity while the customizable bezel adds a touch of personal style.
You’ll appreciate the impressive 15-day battery life during normal use, which extends to 30 days in power-saving mode. With over 150 sports modes, thorough health monitoring, and built-in GPS, this 44-gram lightweight companion tracks your activities precisely. While Alexa integration enables voice commands, be aware that NFC payment functionality might not work in all regions.
Best For: Fitness-focused users who want a stylish smartwatch with exceptional battery life, comprehensive health tracking, and customizable appearance options.
Pros:
- Exceptional battery life lasting up to 15 days with normal use and 30 days in power-saving mode
- Highly customizable design with interchangeable bezels that automatically switch to matching watch faces
- Comprehensive fitness tracking with 150+ sports modes and advanced health monitoring features
Cons:
- NFC payment features don’t work in all regions, limiting contactless payment functionality
- Some users report issues with Alexa functionality in certain locations
- Music control requires phone screen activation, reducing convenience for media management
HUAWEI Watch GT 5
HUAWEI’s Watch GT 5 46mm stands out in 2025’s NFC smartwatch lineup with its impressive 14-day battery life—a game-changer for busy professionals and outdoor enthusiasts who don’t want to worry about frequent charging.
The premium octagonal metallic design with ultra-hard coatings offers both style and durability at just 10.7mm thick. You’ll benefit from extensive health tracking including heart rate, stress, and sleep monitoring, plus advanced running metrics like ground contact time and left/right balance.
While you can receive calls and view messages from WhatsApp and other platforms, be aware that some functionalities like ECG and payment options face restrictions in certain regions.
Best For: Fitness enthusiasts and busy professionals who prioritize long battery life, comprehensive health tracking, and a premium design without needing extensive smartwatch app functionality.
Pros:
- Exceptional battery life of up to 14 days, eliminating the need for frequent charging
- Premium octagonal metallic design with durable ultra-hard coatings on both body and screen
- Comprehensive health and fitness tracking with advanced metrics like ground contact time and left/right balance for runners
Cons:
- Limited message reply options and restricted functionalities like ECG and payment apps in certain regions
- Only 128MB of storage, which may be inadequate for users wanting to store multiple songs
- Minor improvements over previous GT3/GT4 models, making it a less compelling upgrade for existing recent HUAWEI watch users
Factors to Consider When Choosing Smartwatches With NFC in 2025 For Contactless Payment
When choosing an NFC-enabled smartwatch in 2025, you’ll need to evaluate which payment platforms it works with and its compatibility with your financial institutions. Consider how the device balances battery consumption during contactless transactions against its overall runtime between charges. Your ideal smartwatch should also match your style preferences while offering the right mix of health monitoring features and cross-device integration with your existing tech ecosystem.
Payment Compatibility Range
Although many smartwatches now feature NFC technology, payment compatibility varies greatly across different devices and ecosystems. You’ll need to verify whether your chosen watch supports the payment platform you use—Google Pay, Apple Pay, or Samsung Pay—as not all watches work with every service.
Your smartphone’s operating system matters greatly. Apple Watches primarily work with iPhones for payment features, while other watches may have cross-platform limitations. Don’t assume that NFC presence guarantees payment functionality either; it’s a necessary component but not the only requirement.
Check regional availability for your location, as some payment features might be restricted based on your country or banking institution. Also consider whether the watch requires a separate app to manage transactions, as this affects your overall payment experience.
Battery Life Considerations
Beyond payment platform compatibility, the staying power of your smartwatch directly impacts how reliably you can use NFC features throughout your day. When evaluating smartwatches for contactless payments in 2025, you’ll need to assess battery performance as a critical factor.
Some models now offer impressive 14-day battery life, while others require daily charging. Consider how this aligns with your lifestyle—frequent travelers might prioritize longer-lasting batteries, while daily chargers might focus on fast-charging capabilities that can power up during short breaks.
Remember that activating multiple features simultaneously—like GPS and health monitoring alongside NFC—will drain your battery faster. Fortunately, 2025’s smartwatches feature advanced battery management systems that optimize power consumption, allowing you to make payments confidently without constantly worrying about your battery percentage.
Wearability and Design
The perfect balance between form and function defines today’s NFC-equipped smartwatches. When selecting your next device, weight should be a primary consideration—lighter models provide superior comfort during extended wear, especially during workouts or sleep tracking.
Material choice greatly impacts both durability and style. While stainless steel offers premium aesthetics and robustness, aluminum provides a lighter alternative without sacrificing quality.
You’ll want to assess display size and resolution carefully—larger, higher-resolution screens enhance readability and navigation but may feel bulkier on smaller wrists.
Don’t overlook customization options. Interchangeable bands and downloadable watch faces let you shift seamlessly from boardroom to gym. Look for ergonomic features like curved edges and adjustable straps that guarantee your smartwatch remains securely in place regardless of activity.
Cross-Platform Integration Capabilities
While wearability focuses on physical comfort, your smartwatch’s ability to communicate with other devices will determine its daily utility. When selecting an NFC smartwatch, prioritize models that work seamlessly across multiple operating systems, guaranteeing compatibility regardless of your smartphone brand.
The best smartwatches in 2025 offer effortless synchronization of health metrics and contactless payments across both Android and iOS ecosystems. Look for devices that support third-party apps, allowing you to customize functionality to match your specific needs.
Voice assistant compatibility is equally important—devices that work with Google Assistant, Siri, and Alexa give you flexibility in managing tasks and controlling smart home devices. This cross-platform versatility guarantees your investment remains valuable even if you switch phone ecosystems in the future.
Health Feature Balance
Selecting the ideal NFC smartwatch requires balancing payment capabilities with thorough health monitoring features that enhance your daily wellness routine. Look for devices that offer extensive health metrics including heart rate monitoring, ECG capabilities, and sleep quality assessments alongside contactless payment functionality.
The most valuable smartwatches provide detailed insights into irregular heart rhythms and sleep patterns, while offering personalized health recommendations based on your data. These actionable insights can greatly improve your motivation to maintain healthy habits.
Don’t overlook battery performance when evaluating health features. The best NFC smartwatches in 2025 strike the perfect balance between robust health monitoring and payment capabilities without requiring frequent recharging. This guarantees you’ll benefit from continuous health tracking while maintaining convenient payment access throughout your day.
Frequently Asked Questions
Can NFC Smartwatches Work Without a Phone Connection?
Yes, you can use NFC smartwatches for contactless payments without a phone connection. Once you’ve set up your payment cards, the watch stores this information, allowing you to tap and pay even when your phone isn’t nearby.
How Secure Are NFC Payments Compared to Physical Cards?
NFC payments are typically more secure than physical cards. You’ll benefit from tokenization, which doesn’t share your actual card details, and authentication requirements like fingerprints or PINs that physical cards don’t always need.
Will These Smartwatches Support Multiple Payment Platforms Simultaneously?
Yes, you’ll find most modern smartwatches support multiple payment platforms simultaneously. You can set up Google Pay, Apple Pay, or Samsung Pay depending on your device’s operating system and switch between them as needed.
Can the NFC Feature Be Disabled for Privacy Concerns?
Yes, you can disable the NFC feature on most smartwatches through settings. You’ll typically find this option under connectivity or payment settings, giving you control over when your watch can make contactless transactions.
Are There Transaction Limits When Using Smartwatch NFC Payments?
Yes, there are transaction limits when using smartwatch NFC payments. You’ll typically face the same limits as your linked card, which vary by bank and country. Some require PIN entry for larger purchases.
Leave a Reply