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同時擁有接觸式與非接觸式介面以進行交易,但只有一顆晶片並共同使用記憶體(EEPROM)。近年在國際信用卡組織VISA/MasterCard/JCB之全力推動之下,結合交通票證、小額電子錢包與紅利績點系統之多功能雙介面晶片信用卡大行其道,廣泛運用在零售業、交通卡與大型購物商城
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