True. I said that as well. However, there are other benefits of Apple Pay for those that already enjoy the convenience of credit card NFC.
- Increased security. Far better than chip + PIN.
- Ability to be used for larger value transactions & more often (depends on implementation of merchant of course). Most merchants put a limit on credit card NFC amount, and you can only use it for a set number of transactions in a row (to reduce risk in event of theft). With the TouchID biometric proving user, both of those limits can be removed.
- I've yet to see or use it myself, but if the implementation on Apple Watch is good that will be more convenient than pulling out the old plastic.
- In-app online use. Much more secure and much more convenient.