A Complete Guide to Metal Cards with NFC Technology.

Table of Content.

Introduction.

What is a Metal Card?

History & Rise of Metal Cards.

How Do Metal Cards Work?

What Are Metal Cards Good For?

Why Do People Get Metal Cards?

Why Use Metal Business Cards?

Metal Card vs. Plastic Card.

Types of Metal Cards Available

Who Should Get a Metal Card?

Pros and Cons of Metal Cards

How to Get a Metal Card?

FAQ.

Is a metal card real?

Does a metal card affect card readers?

Do metal cards block RFID?

Can you customize metal cards?

Does RFID work on metal?

Conclusion.

Introduction

In today’s fast-paced digital economy, payment cards have become more than just financial tools—they are lifestyle statements and branding opportunities. While plastic cards have dominated the market for decades, a new contender has been rapidly gaining traction: the metal card. Whether it’s the allure of luxury, the durability of steel, or the cutting-edge integration of NFC (Near-Field Communication) technology, metal cards tap to pay features are reshaping the way both consumers and businesses think about transactions.

If you are a business owner looking for a metal card manufacturer to produce custom metal cards—whether for payment, membership, or business branding—this guide will give you everything you need to know. We’ll cover the history of metal cards, how they work, why they’re popular, and how to choose the right solution for your company.

What is a Metal Card?

A metal card is a payment, access, or identification card crafted primarily from durable metals such as stainless steel, titanium, aluminum, or hybrid composites. Unlike traditional plastic cards, metal cards offer:

· A premium weight and tactile feel.

· Advanced durability, lasting much longer than plastic cards.

· NFC and RFID integration for tap-to-pay transactions or smart access control.

Metal cards are no longer limited to luxury banking products. Today, you can find them in banks with metal cards like Chase, American Express, and Capital One, as well as in corporate settings for business cards, hotel access cards, and VIP membership programs.

History & Rise of Metal Cards

The earliest metal credit cards were introduced in the late 1990s, primarily as exclusive status symbols for elite banking clients. These cards were often invite-only and carried significant prestige.

Over the last decade, however, the demand for metal cards custom solutions has surged beyond traditional finance. Several factors explain this trend:

1. Digital Wallet Growth – As contactless payments gained traction, embedding NFC technology into metal was the natural next step.

2. Brand Differentiation – Businesses wanted a way to stand out from competitors, and premium physical cards offered a solution.

3. Durability & Prestige – Customers increasingly valued cards that last longer and feel luxurious in hand.

4. Technological Advances – Manufacturers like Thales metal cards have perfected embedding NFC chips and antennas into metal, making them functional and reliable.

Today, metal cards are no longer a niche luxury item but a mainstream product across industries.

How Do Metal Cards Work?

The magic of metal cards lies in RFID/NFC technology. Here’s how they function:

· RFID / NFC chip embedded: The card contains a microchip and antenna, usually embedded within a hybrid core that allows radio signals to pass through metal.

· Tap-to-Pay Functionality: Metal cards are fully compatible with POS terminals. When you hold your card near a payment reader, the NFC antenna transmits payment data securely.

· Durability in Performance: Despite being made of metal, modern designs ensure that metal cards tap to pay as seamlessly as plastic cards.

This makes them ideal not only for banks with metal cards but also for businesses that want to issue access cards, loyalty cards, or smart ID solutions.

What Are Metal Cards Good For?

Metal cards go far beyond banking. Some of the most popular uses include:

· Premium credit/debit cards – Designed to appeal to affluent customers.

· Corporate identity – Custom-branded business cards that make lasting impressions.

· Membership & loyalty programs – For gyms, clubs, and hospitality brands.

· Smart access control – RFID-enabled metal cards for hotels, offices, and events.

· Marketing campaigns – Metal cards custom designs used as high-end promotional giveaways.

For business owners, issuing metal cards can instantly elevate customer perception and brand loyalty.

Why Do People Get Metal Cards?

Consumers and businesses are drawn to metal cards for several reasons:

· Prestige & Luxury: A card that feels like jewelry in your wallet.

· Durability: They resist bending, scratching, and wear.

· Technology: Built with tap-to-pay functionality.

· Exclusivity: Not everyone carries one, which creates brand differentiation.

Why Use Metal Business Cards?

If you’re a business owner, switching from traditional paper or plastic business cards to metal business cards can have major advantages:

· First Impressions: A metal card makes clients take notice instantly.

· Longevity: Unlike paper cards, metal cards don’t end up in the recycling bin.

· Customization: Options include laser engraving, NFC embedding, and unique finishes.

· Brand Authority: Metal communicates strength, quality, and innovation.

Metal Card vs. Plastic Card

Types of Metal Cards Available

Metal cards come in several varieties, depending on use:

1. Full Metal Cards – Made entirely of stainless steel or titanium.

2. Hybrid Metal Cards – A metal front with a plastic back for lighter weight.

3. Engraved Business Cards – Custom designs for networking.

4. RFID/NFC Metal Cards – Perfect for tap-to-pay or access control.

5. Luxury Branded Cards – Produced by metal card manufacturers like Thales metal cards for premium banking.

Who Should Get a Metal Card?

Metal cards are best suited for:

· Banks & FinTechs wanting premium credit/debit card products.

· Luxury brands looking for high-end membership cards.

· Hospitality & events companies offering exclusive access.

· Business owners who want to leave a memorable impact.

· Corporate executives & entrepreneurs seeking unique business cards.

Pros and Cons of Metal Cards.

Pros:

· Durability and long lifespan.

· Premium look and feel.

· Customizable with branding and NFC.

· Appeals to high-value clients.

· Compatible with tap-to-pay systems.

Cons:

· Higher cost compared to plastic.

· Heavier, which some users may find inconvenient.

· May not be accepted in some ATMs or outdated terminals.

How to Get a Metal Card?

If you’re an individual, you can request a metal credit card from banks with metal cards such as American Express, Chase, or Capital One.

If you’re a business owner, you’ll need to work with a metal card manufacturer that specializes in custom metal cards. Steps include:

Choose a Manufacturer – Look for specialists such as Thales metal cards for banking or independent suppliers for business/membership cards.

Select Material & Finish – Options include stainless steel, titanium, or hybrid designs.

Add Technology – NFC, RFID, QR codes, or magnetic stripes.

Design Customization – Laser engraving, color printing, or etched logos.

Place Bulk Order – Most suppliers have minimum order requirements.

FAQ.

1. Is a metal card real?

Yes, metal credit cards and custom metal business cards are widely available and used by both banks and companies.

2. Does a metal card affect card readers?

No. Modern designs ensure metal cards tap to pay seamlessly with contactless readers.

3. Do metal cards block RFID?

Pure metal blocks radio signals, but professional metal card manufacturers embed NFC antennas in a way that allows RFID/NFC to function.

4. Can you customize metal cards?

Absolutely. You can create metal cards custom with logos, finishes, NFC chips, or even unique cut-out shapes.

5. Does RFID work on metal?

Yes, when properly engineered. Leading providers like Thales metal cards design them specifically for RFID/NFC compatibility.

Conclusion.

Metal cards have evolved from luxury banking products to versatile branding and technology tools. Whether you’re exploring banks with metal cards for a premium credit experience, or searching for a metal card manufacturer to design custom metal cards for your business, the future of cards is both tactile and digital.

With the integration of NFC tap-to-pay, metal credit cards and metal business cards provide not only prestige but also practical benefits. For business owners, investing in metal cards can transform brand perception, boost customer loyalty, and create lasting impressions in competitive markets.

If you' re ready to elevate your brand with custom metal cards, contact CBT today. Our team specializes in creating high-quality, NFC-enabled metal cards that blend technology with design—helping your business stand out in a competitive marketplace.

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