My EDC is
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A pixel phone with a case on it, in the case I tuck my driver’s licence and one credit card. I have a wallet app on the phone for all other cards I might need.
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Keychain is a carabiner and short piece of webbing holding 2 house keys, car fob, mini knife and mini flashlight.
The keys clip onto bra strap and go inside my shirt and phone tucks into bra. Definitely not a fella :P
I pull my card out to tap, though it’s just habit from pre-tap and I probably wouldn’t need to. I leave NFC off on my phone or it tends to keep detecting my cc and chime.