How does the NFC card share my details?

You write a link or contact profile to the chip, then someone taps their phone to the card and the phone opens it. Most recent iPhones and Android phones read it without an app.

Does it work as a payment card?

No. The chip shares a link or contact data you program; it is not a bank card and does not make payments on its own.

Will it damage my phone or block charging?

The NFC read is harmless. Keeping metal against a phone can interfere with wireless charging, so store it in a separate wallet slot.

Can I change what it shares later?

Yes, if the chip is rewritable you can reprogram the link with a phone app. Point it at a profile page and you can update the content without a new card.

Is metal better than a plastic NFC card?

Metal is more durable and feels more premium, but it is heavier and can interfere with wireless charging. Plastic is lighter and cheaper but wears faster.