In Spain you're getting one whether you like it or not and if you don't like it you can go to another bank where they do the same. When you activate the card you get NFC, there's none of this "put your PIN in the first time when you pay by NFC to allow NFC payments without PIN in the future".
So I cut the antenna in mine and tested it with the NFC feature on my phone (the only time I've used it). I ain't paying, or having my cards stolen, or getting cloned without me putting my PIN in, thankyouverymuch.
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