It won't be a standard NFC chip. It will be a chip that is capable of using for "tap-to-pay" using only your phone and fingerprint scanner or password protected phone.
Credit card companies will jump on this because it reduces the chance of people losing their cards and others using an unsecured tap-to-pay.
The Only reason Apple is adding this chip will be to get into the payment side of things at storefronts.
It will save credit card companies millions.
I said this many times and didn't get much response. I think Apple is going to introduce some kind of eWallet system that uses fingerprint for security and NFC for communication.