Just want to add in a reply to this thread since I am a new member. I used to use cc to tap. Very convenient. But once, my card was stolen and when I reported to bank, they only willing to absorb half of all the fraud usage. Thats because only reported the next morning about 6hrs after the theft. So, using apple pay is much better. Especially if you are using it with the apple watch. Every time need to verify biologically before approve.

Yes, its cool using the watch to pay. Until you find yourself too comfortable and dont bring out your physical card. And on that same day somehow you find yourself with no data connection to your phone. I experienced it once when I was travelling, terpaksa ask the guy to give me his wifi password before I could pay. Too cheapskate to switch on my roaming.