seems like it's an nfc sim issue rather than a simplygo issue though. since you mentioned it happens for all your contactless payments. if it doesn't bother you that you can't use any mobile payments other than your nfc sim, then it's okay. don't think there are so many benefits to simplygo that you need to pay 40+ dollars to use it.
just an idea, i think if you just report your phone lost to the telco they reissue the sim for free. if you report it as damaged or would like to change it, then it's chargeable
Firstly, it is not the NFC SIM issues. It is the reader device issue.
2ndly, it doesn't happen for all my contactless payment. I pay restaurants and shops with GPay just fine. Because those readers doesn't take ezlink/nfp payment, only credit card payment. I only have problem with vending machines and jolly rides machines because they take both ezlink/nfp and credit card payment. And now, the MRT gantry readers too.
And for those readers that take both ezlink/nfp as well as credit card payments. The problem is they don't respect the contactless payment precedence set by the phone. Eg. my phone will set GPay as default payment. But if I launch any payment app in the foreground, the payment app will take precedence.
So, I expect if I don't launch anything, the charge should go to my GPay. If I launch Singtel Dash app (Or SPay with NFC Sim card added) in the foreground, the charge should go to my ezlink.
But this is not what happen with the readers. The reader seems to hardcode to take ezlink/nfp payment first. If cannot find any, then find credit card to charge.
So this is purely the reader firmware issue. Since the MRT gantry reader is under LTA control, I hope they are not using the same reader device firmware but develop their own and respect the phone payment precedence.