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Sorry.. Am calling BS on this... To read any protected memory regions on an NFC card a fairly complicated handshake has to occur with various exchanges of keys - you can't just read details with your average NFC reader in an Android phone using an app that doesn't even require root...

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The app is designed to be used with the German GeldKarte which appears to use an old NFC technology. It isn't a credit card, you have to load cash onto it before you can spend it, and doesn't use the same security as modern contactless bank cards.

Also it appears this isn't the first app to do this:

http://www.nfc.cc/2011/12/11/nfc-geldkarte-broken-by-design/

Not exactly BS - it depends on the cards. In the UK this has been demonstrated to work on Visa cards from a few different banks. I did a quick demo for Channel 4 News at their request a little while ago, video:

http://www.channel4.com/news/millions-of-barclays-card-users...

Also did one in a crowded lift for BBC Watchdog and live on This Morning breakfast show. It is pretty old news (as in years old) and is not exactly an effective way to lift lots of details. But makes a cute demo.

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