A near field communication (NFC) reader module is provided for mounting over a metal panel of a vehicle. A housing of the module is configured to mount adjacent the metal panel. The housing contains a planar array of non-magnetic RF filter elements in the housing proximate to the metal panel. The housing contains a planar antenna coil configured to couple with an external NFC device carried by a user, wherein the array of RF filter elements is disposed between the planar antenna coil and the metal panel to magnetically decouple the planar antenna coil from the metal panel. The housing further contains receiver circuitry configured to decode NFC signals from the external NFC device.