I have a Samsung Note 3 and I'm eager to try paying at Subway using Softcard. I've got the Softcard app all ready to go.

But paying with a phone using NFC seems to be an overrated novelty. I already use my phone apps to buy Chipotle and Nandos. Using my phone like this makes sense because I pre-order and when I arrive I just walk up to the counter and get my order which saves time.

So why use NFC to pay when I can use a credit card which is a bit faster faster to get out of my pocket and use?