unless u using android pay and ezlink purpose, (but your sim card might need such support iirc), den NFC is required.
but whats the requirement for the phone beside budget?
thats the thing. dont know about how popular android pay and the nfc field would be in the next 2~3years. as of now, i dont use them. but when got event like free money or watever when use, like sian half cause no nfc.
i would avoid models that uses software home button(the 3 standard android buttons, triangle circle and square). would prefer models with dedicated area for the buttons, got actual physical button or not also nvm, main concern is got a dedicated area for those 3 buttons. hate the soft buttons integrated at the bottom of the screen. examples are models like LG G, sony. i do also develop android apps so preferbaby android 6/7 would be prefered, to be relevant for at least the next 2~3years.
it would seem OPPO r9s and samsung A9 are top recommendations here.
cons of oppo being that no NFC, and firmware issues, whereas for samsung, is the standard battery problem(s2, s3, note 3, s6 shortly aft 2yrs+ the battery will deteriorate greatly) and also lots of bloatware.. and flashing new rom will void the warranty...
personally, been eyeing these 2 models for awhile but the above issue that make me hesitate..