The present invention discloses a smart card communication method, a smart card, and an enhanced near field communication NFC terminal. The method is used for communication between the smart card and an NFC contactless front-end chip; when installing a contactless payment application, the smart card records a communication standard adopted by a contactless payment system corresponding to the contactless payment application, wherein the communication standard is identified by identification information provided by the contactless payment application; it further comprises: for each card application gate, the smart card judges whether a contactless payment application corresponding to the card application gate exists based on the identification information; if yes, creating a pipe between the card application gate and a corresponding card RF gate in the NFC contactless front-end chip.