A surface contact card holder includes a housing and a tray assembly. The housing includes a receiving frame and defining a receiving hole. The tray assembly includes a tray and a cover. The tray is slidable and receivable in the receiving frame from the receiving hole, the tray is configured for carrying a surface contact card therein. The cover is pivotally attached to the tray and covering the receiving hole. The cover includes a first end and a second end. When the first end of the cover is pressed to pivot the cover, the second end of the cover moves out of the receiving hole, the tray is slid out of the receiving frame to allow insertion and removal of the surface contact card from the housing.