At One Place

What is a Credit card made of?

What is a Credit card made of?
Laminated PVC sheets 0.76 mm thick, carrying a silicon chip in epoxy and a copper antenna coil.

The dimensions — 85.60 by 53.98 mm and 0.76 mm thick — are fixed by ISO/IEC 7810 as format ID-1, which is why every wallet, card reader and vending machine slot in the world interoperates. The digits are not random either: ISO/IEC 7812 assigns the first digits to the issuing scheme, and the final digit is a check digit computed with the Luhn algorithm, so a typo is usually caught before the transaction is ever attempted. Several issuers have moved to recycled PVC or PLA card bodies, and metal cards are typically a stainless steel or brass core with the chip and antenna laminated into a plastic layer.

Component by component

Every material is a choice, and the third column is the constraint that drove it.
Part Material Why that material
body several printed PVC or PVC-acetate sheets laminated under heat to 0.76 mm PVC is dimensionally stable, prints sharply and laminates into a card that flexes thousands of times without delaminating.
chip module a silicon die in epoxy under gold-plated contact pads The chip performs cryptography the magnetic stripe could not, which is what killed counterfeit-by-copying.
contactless antenna a loop of fine copper wire embedded in the card body The reader powers the chip by induction through that loop, so a contactless card needs no battery.
magnetic stripe iron oxide or barium ferrite particles in a resin binder Two coercivity grades exist; high-coercivity stripes resist stray magnets, which is why modern cards survive phone cases.
signature panel and hologram printed panel and an embossed foil optical device Both are anti-tamper features from the pre-chip era, and both are now being quietly dropped.

Other around the house objects

Common questions

What is a Credit card made of?
Laminated PVC sheets 0.76 mm thick, carrying a silicon chip in epoxy and a copper antenna coil.
What is the body of a Credit card made of?
Several printed PVC or PVC-acetate sheets laminated under heat to 0.76 mm. PVC is dimensionally stable, prints sharply and laminates into a card that flexes thousands of times without delaminating.
What is the chip module of a Credit card made of?
A silicon die in epoxy under gold-plated contact pads. The chip performs cryptography the magnetic stripe could not, which is what killed counterfeit-by-copying.

Related pages

Sources

  1. Typical range compiled from manufacturer specifications — At One Place

How these figures are compiled and checked