The chips may not, but the contact surfaces corrode. Then, when you're facing a slightly aged payment terminal with also corroded contacts, your card gets rejected no matter what you do.
So from my view, NFC in phone has two things going for it: it can be toggled on and off, effectively preventing drive-by cardjacking; and it is better protected from elements.
The fact that I have other personal reservations about contactless payments is different matter altogether.
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The chips may not, but the contact surfaces corrode. Then, when you're facing a slightly aged payment terminal with also corroded contacts, your card gets rejected no matter what you do.
So from my view, NFC in phone has two things going for it: it can be toggled on and off, effectively preventing drive-by cardjacking; and it is better protected from elements.
The fact that I have other personal reservations about contactless payments is different matter altogether.
Pencil erasers do a great job to clean these type of contacts :)