Good for you.
How easy would it be for the guy behind you to nick your card and use it to buy their lunch at Mc Donald's as well?
I'd guess that it's just as easy as nicking all the cash in your wallet.
That's before you consider all the really fun ways for an attacker to take money from a NFC card, and the possibilities for 'accidental' overcharging - that you would not find out about until your statement.
It's a giant leap backwards in security - and rather appears to be a way for banks to wiggle out of compensating you for fraudulent transactions.
If somebody nicks that card, they can do the same as you just did. And you can't stop them until you've noticed the card is missing, found a telephone and called your bank. During all that time they're racking up charges that you're going to have trouble getting back from the bank - if you can at all, given the recent changes to various T&Cs.
If I were you, I'd ask them exactly what your risk is - what would they refund you, and under what circumstances?
That gets even worse if the NFC card is your phone, as that makes it slightly more difficult to call your bank if it gets nicked.
These contactless cards seem to have a transaction limit of £15 or so, and a daily cap of £50.
So basically, you're now carrying about £50 'virtual' cash at all times every single day, in addition to whatever physical cash you've got in that wallet.
I don't know about you, but I don't tend to carry that much cash around with me on a normal day and I rather like being able to vary my 'risk' depending on what I'm doing and where I'm going.