The MT-10XMulti Technology Proximity Card allows the user to combine several identification technologies in a single credit card thin credential. The cards can be ordered with or without a high coercivity magnetic stripe, which is useful if there are other types of systems in use that are mag stripe based, such as cafeteria vending. They are also useful for customers who may have a proximity-based access control system at one site and a mag stripe-based system at other locations, allowing the user to carry a single card.