~snip~
Unless you want to withdraw from the ATM, you can use their NFC virtual card everywhere.
I think you expressed yourself a little wrong, because the card is virtual and can be used for online payments, and of course there is an option to add it to the Google/Apple wallet in your smartphone, which only makes sense if your smartphone has NFC. Maybe some people take it for granted today, but not all smartphones have NFC, especially the older and cheaper ones.
Yes, you are right. At the moment, their virtual cards are supported on Gpay and Apple Pay, which support NFC. Without NFC, contactless payments are impossible at all. I have made a couple of payments through Apple Pay by using my RedotPay virtual card. For ATM withdrawals, I got a physical card, so it can be used everywhere, especially when visiting abroad.