The chip card (10) has an insulating substrate (12) in which a semiconductor chip (14) is incorporated, together with a coil structure (18) coupled to the semiconductor chip. The connections between the semiconductor chip and the coil structure are formed integral with the latter, with the semiconductor chip recessed into the substrate surface, so that the main surface of the chip lies flush with the substrate surface. USE - For key card used for door or automobile lock. ADVANTAGE - Eliminates need for bonded connections.