How to link a bank or transport card to NFC on Xiaomi Redmi 9C: all ways

Can I use NFC on Redmi 9C for payment and transportation?

Xiaomi Redmi 9C (M2006C3MG/M2006C3MI) is not officially equipped with an NFC chip, as confirmed by both the manufacturer’s technical specifications and user test results. However, the network is actively discussing workarounds for emulating contactless cards through software solutions or external accessories. In this article, we will analyze which methods work in 2026 and which are myths.

It's important to understand that without the NFC hardware, full emulation of bank cards (for example, through Google Pay or Mi Pay) is impossible.

• 📱 External NFC-tags (stickers or cards) for storing data.
• 🚇 Software emulation of transport cards (for example, Troika or Arrow) through third-party applications.
• 💳 Cloud wallets with virtual card generation (not requiring any) NFC).

If you're looking at paying by phone in stores, Redmi 9C is not a good fit, but there are solutions for transportation or office access, and then you have step-by-step instructions for each scenario.

Step 1: Checking for availability NFC-chip 9C

Before you try to connect the card, make sure that your device does not have a hardware module.

1. Open Settings → About the phone → Full specs.
2. Scroll to Wireless Networks – if there is no NFC, there is no chip physically.
3. Install the NFC Tools app from Google Play and it will show the error “NFC is not supported”.

If you bought the phone with your hands and suspect that the seller hid the information, check the model through the command in Engineer Mode:

##4636##

In the Phone Information section, find the NFC string – if it’s not there, there’s no chip.

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On some firmware (e.g. MIUI 12.5 Enhanced), the NFC may appear in the settings, but this is an interface error. To check for accuracy, try to turn on NFC, the system will give a notification that the module is not available.

Step 2: Alternative ways to emulate cards without NFC

If there is no hardware module, consider these options:

The most universal way is external NFC-It's a sticker with a chip that can be programmed to any card (bank, transport, pass) minus, you'll have to put the phone to the tag first, and then the tag to the terminal.

Step 3: Set up the external NFC-card-marker

If you have chosen an option with an external label, follow this instruction:

1. Buy it. NFC-sticker (recommended) NTAG215 or NTAG216 — They support encryption).
2. Install the NFC Tools or TagWriter app.
3. Open the application and select "Write" → "Add record" → "Text".
4. Enter the card data in the format: BEGIN:VCARD VERSION:3.0 FN:Name of the family ORG:Name of the bank TEL;TYPE=CELL:+79XXXXXXXXX NOTE:Card number: 123456**1234 END:VCARD
5. Attach the phone to the tag and wait for the confirmation of the record.

Buy NFC-sticker (NTAG213 higher)|Install NFC Tools or TagWriter|Prepare map data in format VCARD|Formatting the label before recording-->

Important: Bank terminals do not read text data from tags – this method is only suitable for storing information (for example, for quickly entering a card number in online forms). For real payments, card emulation is necessary, which is possible only with root rights and special software.

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External NFC-The tag doesn't replace a bank card for contactless payment; it can store card details, but it doesn't emulate it for terminals.

Step 4: emulation of the transport map (Troika, Arrow, Ballet)

For emulation of transport cards on Redmi 9C without NFC-chip:

• 📱 Root rights (unlocking the loader) + magisk firmware).
• 🛠️ Metro appendix NFC Transport Card Emulator.
• 💾 Dump of transport card (can be obtained from the original card through the NFC-reader).

Instructions:

1. Unlock the bootloader via fastboot oem unlock (instructions for Xiaomi on the official website).
2. Install Magisk and get root.
3. Download your transport card dump (for example, via Mifare Classic Tool on another NFC phone).
4. In Metro NFC, select "Dump Download" and specify the file.
5. Activate the emulation and check the work on the turnstile.

⚠️ Attention: Emulation of transport cards may violate carrier rules. in Moscow, St. Petersburg and Kazan, for the use of uncertified devices, fines of up to 5,000 are imposed. ₽. Before using, clarify the current rules.

Step 5: Cloud maps and QR-payment NFC

If you only need to pay in stores, consider these ways:

• 💳 Virtual cards in banking applications (e.g. SberBank Online or Tinkoff) generate one-time numbers for online payments.
• 📱 QR-Payment via SberPay, Apple Pay (yes, it works on Android) or Google Pay (no charge) NFC, down QR-cashier).
• 🔄 Linking the card to a smart watch (for example, Xiaomi Mi Band 7 with a smart watch) NFC) — If the watch has a module, it can emulate the map.

Example of settings QR-Payment for Google Pay:

1. Open Google Pay and add the card manually.
2. Select "Pay by QR" from the menu.
3. Put the camera on QR-terminal code.
4. Confirm the payment with a fingerprint or PIN-code.

QR-payment works in most Russian stores (Pyaterochka, Magnet, Auchan), but is not supported in the subway and public transport.

Step 6: Solving Common Mistakes

If something goes wrong, check out these points:

⚠️ Attention: If you are using MIUI 13+, emulation applications NFC They can be blocked by the security system. MIUI Optimized. To get around this, turn off optimization in the developer settings (Settings) → The phone. → Version. MIUI — Tap 7 times, then Settings → Additionally. → For developers → Shut down. MIUI Optimized).

FAQ: Answers to Frequent Questions