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January 2023

What's Inside a Contactless Credit Card

In this Article:

  • A contactless credit card contains a copper antenna loop spanning most of the card's interior, a dual-interface EMV chip, and multiple PVC layers bonded under heat and pressure, all within 0.76 millimeters of total thickness.
  • The antenna operates at 13.56 MHz and couples inductively with payment terminals, powering the chip without a battery and enabling one-time cryptographic authentication for each transaction.
  • CT imaging makes the full internal assembly visible, including antenna geometry, chip package construction, and the lamination quality that determines whether the card survives years of use.
  • 1.19.2023

    A standard credit card is about 0.76 millimeters thick. Inside that space, bonded between rigid outer layers of PVC under heat and pressure, is a complete wireless communication system: a copper antenna coil, a dual-interface EMV chip, and the connections between them. None of it is visible from the outside. The scan shows the whole thing.

    Antenna

    The most immediately striking feature in the wide scan is the antenna loop. It runs along three sides of the card's perimeter before routing inward to connect with the chip module at the right side of the card. A second, smaller coil structure is visible in the upper left quadrant. The antenna operates at 13.56 MHz, the standard frequency for NFC payment transactions, and its geometry matters: the number of turns, the wire gauge, and the total coil area determine the inductance of the circuit and how reliably it couples with a reader. Because the antenna spans most of the card's area, the effective pickup zone is the entire card, not just the region near the chip.

    Lumafield industrial CT scan of a VISA contactless credit card chip.

    Chip

    The close-up scan of the chip module shows the inductive coil in detail: multiple concentric rectangular turns wound tightly around the chip package. The chip itself sits at the center, its internal components visible at varying densities, with bonded contact points and interconnects distinguishable within the package. This is a dual-interface EMV chip, meaning it handles both contactless transactions through the antenna and contact transactions through the gold pads on the card's face. The two interfaces share a single chip.

    Lumafield industrial CT scan of a VISA contactless credit card chip.

    How the transaction works

    When the card enters the field of a reader, the antenna picks up the electromagnetic signal and transfers power inductively to the chip. No battery, no direct contact. The chip generates a one-time cryptographic code, packages it with the transaction data, and transmits it back through the antenna. The reader passes that data to the card network, which runs fraud screening and routes the authorization request to the card issuer. The whole sequence takes a fraction of a second.

    The manufacturing challenge

    Getting this assembly into a card that survives years of bending, flexing, and contact with the bottom of a bag requires careful lamination. The antenna and chip inlay are bonded onto a substrate, then sandwiched between layers of PVC with different stiffness: a rigid outer layer and a softer inner layer that flows slightly under heat and pressure to encapsulate the assembly without distorting the antenna geometry. Distortion changes the electrical properties of the coil and can cause the card to fail. The antenna's corners and bridging points are the most vulnerable, which is why card manufacturers treat lamination control as a quality problem and not just a production step.

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