https://github.com/apache/cordova-plugin-contacts#contact
Where can I put the image file (for example, can I get it on S3 or upload it with the application to the resources) and what is the correct format for URL?
URL
var contact = navigator.contacts.create(); contact.photos = [new ContactField('url', URL, true)]; contact.save()
This is your answer .... Sir.
var photos = []; var ImgUrl="images/Thomas.jpg"; photos[0] = new ContactField('url', ImgUrl,true); contact.photos = photos;