What cards can be added to Xiaomi Mi Band 4 NFC: Banking, transport and bonus

Fitness bracelet Xiaomi Mi Band 4 NFC It was the first device in the line to support contactless payments, but it still raises questions among users, and the main problem is the lack of understanding of which cards can be tied to the bracelet and how to do it correctly. NFC-Mi Band 4 only works with a limited list of issuers, depending on the region of sale.

In this article, we will discuss all types of cards compatible with Mi Band. 4 NFC: bank-like (Visa/Mastercard/Mir) We will focus on regional restrictions – why the bracelet bought in China does not support Russian cards, and how to get around it. You will also find step-by-step instructions for adding cards, a compatibility table, and answers to frequent errors (e.g., “I don’t see my card in the list").

Types of cards supported by Xiaomi Mi Band 4 NFC

Mi Band 4 NFC It supports three main card categories, but availability depends on the firmware version and the region of purchase of the device, and it is important to understand that the bracelet is not a full-fledged payment terminal - it emulates the card, not the reader. This means that you can’t, for example, link a store loyalty card to it unless it’s supported by Mi Pay.

All maps are divided into:

• 💳 Bank cards (debit/credit) - for contactless payments in stores. Visa, Mastercard, UnionPay and Mir are supported (only for the Russian version of the bracelet).
• 🚇 Transport cards are for subway, bus and train fares, in Russia it is "Troika" and "Strelka", in China - Beijing Municipal Administration & Communication Card.
• 🛒 Discount/bonus cards are store loyalty cards (Magnit, Pyatyorochka, Auchan) and their support is limited and requires manual addition through third-party applications.

The main limitation: Mi Band 4 NFC It doesn't support Apple Pay, Google Pay or Samsung Pay. All payments are made through its own Mi Pay system, which is integrated only with a limited list of banks, which means that even if your bank issues Visa cards, it does not guarantee their compatibility with the bracelet.

Bank cards: full list of compatible issuers

Adding a credit card to Mi Band 4 NFC In Russia, the list of partner banks is extremely limited by 2026 and includes:

⚠️ Note: If your bank is not listed, it does not mean that you can’t add a card.Some users successfully tie cards via Mi Pay, bypassing official support, but this requires changing the region in the bracelet settings (instruction below). However, in this case, there is no guarantee of payment security – the bank can block the card for suspicious activity.

To check compatibility:

1. Open the Mi Fit app (version 4.6.0 or later).
2. Go to the Profile section → Mi Pay.
3. Click Add Card and enter your bank card details.
4. If the card is supported, the system will offer to confirm it through SMS bank.

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Before adding a card, make sure that contactless payments are enabled (the “PayPass” or “PayWave” option) and if the option is disabled, contact your bank or activate it via online banking.

Transport maps: Troika, Strelka and foreign analogues

One of the key features of the Mi Band 4 NFC — In Russia, the bracelet officially supports the payment of fares in public transport:

• 🚇 Troika (Moscow and region) – replenishment through the application MyFit or metro terminals.
• 🚌 Strelka (Moscow region) – works similarly to Troika, but with a restriction on some fares (for example, preferential travel).
• 🚆 Map "Padlinary" (St. Petersburg) - support appeared in firmware 1.0.2.14.

To add a transport card:

1. Open the Mi Fit and select your bracelet.
2. Go to the Transport Card → Add a map.
3. Select the type of card (e.g., "Troika").
4. Attach the original card to the back of the smartphone (if you need to transfer the balance).
5. Confirm the operation in the app.

⚠️ Note: When you transfer the balance from a physical card, the original card is blocked, which means that it will no longer be used - all funds and benefits are transferred to a virtual card in a bracelet. If you lose the Mi Band 4, you will not be able to restore the balance without contacting the subway ticket office.

Discount and bonus cards: Magnet, Five, Auchan

Loyalty cards are more difficult: Mi Band 4 NFC It doesn't support adding them directly through Mi Fit, but there are workarounds:

Method 1: Through the Wallet app (Android only)

• 📱 Install the Wallet app (for example, from Pass2U or NFC Tools).
• 🔄 Create a virtual copy of the discount card by scanning the original.
• 📲 Export data to.nfc and upload it to Mi Band 4 via Mi Fit (Other maps section").

Method 2: Manual Addition via Mi Pay (limited)

Some cards (such as Magnet or Crossroads) can be added as "other cards" to Mi Pay, but for this purpose:

1. In Mi Fit, select Mi Pay. → Other maps.
2. Enter the card number and owner name (if required).
3. Confirm the addition.

⚠️ Note: Virtual discount cards in Mi Band 4 do not work in all stores, for example, Five may not read the card from the bracelet due to the limitations of its equipment.

Make sure the original card supports contactless payment

Download the scanning app NFC (for example, NFC Tools)

Check the balance/status of the card in the personal account of the store

Make a backup copy of card data on the phone-->

Regional restrictions: why not all maps work

Xiaomi Mi Band 4 NFC It has a strong regional binding, meaning that the bracelet bought in China does not support Russian bank cards, and the European version does not work with Troika, because of the firmware and certification of payment systems:

• 🇨🇳 Chinese version – only supports UnionPay and local transport cards (e.g. Shanghai Public Transportation Card).
• 🇷🇺 Russian version – works with Mir, Troika and a limited list of banks (Sberbank, VTB, etc.).
• 🇪🇺 European version - supports Visa/Mastercard local banks (e.g. Revolut, N26), It does not work with Russian transport cards.

You can bypass this limitation by changing the region in the bracelet settings:

1. In Mi Fit, go to Profile → Settings → Region.
2. Select the country where your card is supported (e.g. China for UnionPay).
3. Reload the bracelet and try to add the card again.

⚠️ Note: Changes in the region may lead to:

• Lose the cards already added (they will have to be added again).
• Weather and notifications are not working properly (they will be displayed for the selected region).
• Blocking certain functions (for example, the Troika will stop working when changing to the Chinese region).

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If you travel frequently, it is better to have two bracelets: one for Russian cards, one for foreign ones. Switching the region in one device takes time and can cause payment errors.

How to add a card to Mi Band 4 NFC

The process of adding a card takes 5-10 minutes.

• 📱 Android smartphone (iOS does not support Mi Pay).
• 🔋 Bracelet charge of at least 50%.
• 📶 Stable Internet connection (Wi-Fi or mobile network).

Step 1: Update the firmware

Before adding the card, make sure that the latest firmware is installed on the bracelet:

1. Open Mi Fit and sync the data with the bracelet.
2. Go to the Device Profile → Software Update.
3. If an update is available, install it (the bracelet will reboot automatically).

Step 2: Adding a Bank Card

1. In Mi Fit, select Mi Pay. → Add a map.
2. Scan your card with your phone’s camera or enter data manually.
3. Confirm the operation via SMS from the bank (the code will come to the number associated with the card).
4. Come up with it. PIN-payment code (4-6 digits).

Step 3: Set up a transport card

1. In Mi Fit go to the Transport Card → Add.
2. Select the type of card (e.g., "Troika").
3. Attach the original card to the back of the phone (if balance transfer is required).
4. Confirm the operation in the app.

⚠️ Note: If the bracelet is not recognized at the checkout or terminal after adding the card, try it:

• Reset the bracelet (press the button for 10 seconds).
• Remove and add the map again.
• Check if it's on. NFC on a smartphone (sometimes it affects the work of the bracelet).

Frequent mistakes and their solutions

When you add maps, you're faced with typical problems, and here are the most common ways to fix them:

If none of these methods worked, contact Xiaomi via a chat in the Mi Fit app or email your bank’s support team, and in some cases, the problem lies in blocking contactless payments from the bank.

FAQ: Answers to popular questions