I hope you didn't get me wrong: 1,30PLN is just for ATM withdrawals below 100PLN. You can still pay for stuff with card free of charge (all 3 ways - magnetic stripe, chip or contactless; tho, I won't be surprised if they will start charging fees for card operations in the future).

Apple Pay works here since June 19th, Android Pay since 2016 but since Blik was first (2015) it gained naturally more popularity. We'll see how it withstand Apple Pay as competition