Canonical URL: https://giftcard.news/payments-technology/zenus-idemia-physical-visa-infinite-card-2023/ --- description: Inside the 2023 Zenus Visa Infinite card: Smart Metal Art construction, four prototype rounds, Budapest personalization and international fulfillment. title: Zenus and IDEMIA: the Visa Infinite metal debit-card project image: https://giftcard.news/images/social/v1/idemia-built-zenus-s-first-physical-visa-debit-card-international-distribution-0d15673c81491df9044127288eed42d3.jpg --- 1. [Home](https://giftcard.news/) 2. [Payments & Technology](https://giftcard.news/payments-technology/) # IDEMIA built Zenus's first physical Visa debit card for international distribution A two-year design process joined Smart Metal Art engineering with centralized personalization in Budapest and an international delivery promise. By [Daniel Brooks](https://giftcard.news/author/daniel-brooks/) April 11, 2023 6 min read [ Google News ](https://google.com/preferences/source?q=giftcard.news&utm%5Fsource=giftcard.news&utm%5Fcampaign=giftcard.news) Share [ ](https://x.com/intent/post?url=https%3A%2F%2Fgiftcard.news%2Fpayments-technology%2Fzenus-idemia-physical-visa-infinite-card-2023%2F%3Futm%5Fsource%3Dx%26utm%5Fmedium%3Dsocial&text=IDEMIA+built+Zenus%27s+first+physical+Visa+debit+card+for+international+distribution&utm%5Fsource=giftcard.news&utm%5Fcampaign=giftcard.news "X") [ ](https://www.linkedin.com/sharing/share-offsite/?url=https%3A%2F%2Fgiftcard.news%2Fpayments-technology%2Fzenus-idemia-physical-visa-infinite-card-2023%2F%3Futm%5Fsource%3Dlinkedin%26utm%5Fmedium%3Dsocial&utm%5Fsource=giftcard.news&utm%5Fcampaign=giftcard.news "LinkedIn") [ ](https://wa.me/?text=IDEMIA+built+Zenus%27s+first+physical+Visa+debit+card+for+international+distribution+https%3A%2F%2Fgiftcard.news%2Fpayments-technology%2Fzenus-idemia-physical-visa-infinite-card-2023%2F%3Futm%5Fsource%3Dwhatsapp%26utm%5Fmedium%3Dsocial&utm%5Fsource=giftcard.news&utm%5Fcampaign=giftcard.news "WhatsApp") ![A hand holds a purple Zenus Bank Visa Infinite card above a payment terminal](https://giftcard.news/images/variants/v1/idemia-built-zenus-s-first-physical-visa-debit-card-international-distribution-hand-w1280.webp) Zenus Visa Infinite debit card in imagery accompanying IDEMIA's April 2023 announcement. Photo: IDEMIA [Zenus Bank](https://giftcard.news/company/zenus-bank/)'s first physical payment card combined two different challenges: making a premium metal card work reliably at the terminal and delivering a personalized credential to customers spread across countries. [IDEMIA](https://giftcard.news/company/idemia/)'s April 11, 2023 announcement described how its Smart Metal Art technology and Budapest service centre were brought together for the Zenus [Visa](https://giftcard.news/company/visa/) Infinite debit programme. The original IDEMIA announcement said the project followed two years of collaboration and four rounds of prototypes. That development history makes the card more interesting than its purple finish: the bank was turning a remotely opened account into a physical object that had to be manufactured, personalized and distributed. ## The engineering behind the metal finish The published design used a vertical dark-purple layout, a metal body with a stainless-steel edge, exposed-metal logo effects and laser-personalized card details following Visa's Quick Read configuration. Zenus's own account of the project confirms the design, prototype process and Budapest hub. As a partner announcement, it supports the product specification rather than providing an independent performance assessment. IDEMIA's Smart Metal Art technology announcement explains the underlying construction: a decorated non-magnetic metal core protected by layers that can be printed or transparent. The supplier described patented technology originating with X Core and compatibility with both contact and contactless operation. Its broader offering covered design, manufacture, personalization and packaging. This matters because the material is part of the payment device, not simply decoration added to a plastic card. A successful programme has to preserve terminal functionality while changing the card's weight, appearance and tactile qualities. The supplier's published engineering explanation is the appropriate basis for understanding that tradeoff; there is no need to infer a higher payment-success rate from the premium finish. The wider installed base helps explain why interoperability mattered more than the finish alone. EMVCo reported 12.0 billion chip cards in circulation at the end of 2021 and 12.8 billion a year later. A new metal card therefore had to work within a large, established chip-payment environment while adding its own materials and design. The data behind the story ### The installed base behind chip-card interoperability Global EMV chip cards in circulation at the end of 2021 and 2022. EMV chip cards billion cards Tap or hover for details. All values are also available in the data table. Sources EMVCo, June 8, 2022 deployment release; EMVCo, August 10, 2023 deployment release Global EMVCo figures. They measure chip-card deployment across the industry, not Zenus cards or IDEMIA production. Show data tableHide data table Scroll left or right to see all columns __The installed base behind chip-card interoperability (billion cards)__ | Category | EMV chip cards | | -------- | ------------------ | | End 2021 | 12.0 billion cards | | End 2022 | 12.8 billion cards | ## From an account application to an individual card Show data tableHide data table Scroll left or right to see all columns __From an account application to an individual card__ | Stage | What the project described | Operational significance | | --------------- | -------------------------------------------------------- | --------------------------------------------------------- | | Design | Two years of collaboration; four prototype rounds | A defined development process before fulfillment | | Personalization | Laser-personalized card details; Budapest service centre | Converts a card body into a customer-specific credential | | Delivery | Physical card advertised in under ten days | Connects digital onboarding with cross-border fulfillment | The companies described immediate issuance of a virtual card after the online application process and physical delivery in under ten days. That was the advertised service proposition. The announcement did not publish delivery-time distributions, fulfillment volumes or the proportion of shipments meeting the promise, so it cannot establish a measured global delivery service level. Centralizing personalization in Budapest gave the programme a named operational hub. For a bank serving users beyond its home market, that detail is significant: the digital customer journey still depends on securely linking a credential to the correct customer and getting it to the destination. The arrangement illustrates how a digital bank can coordinate physical distribution without a local branch network in every country. Deployment has two sides: how much of the issued card base supports EMV, and how often card-present transactions use it. EMVCo reported both measures in its June 2022 and August 2023 releases. For a physical-card programme, the distinction connects the credential supplied to the customer with the payment environment in which it will be used. The data behind the story ### EMV deployment in issued cards and card-present payments The annual releases report both the installed card base and use at the point of sale. Share of all issued cards that are EMV-enabledShare of card-present transactions using EMV % Tap or hover for details. Select a series above to show or hide it. Sources EMVCo, June 8, 2022 deployment release; EMVCo, August 10, 2023 deployment release The two series have different denominators: issued cards and card-present transactions. Release dates identify the published snapshots; neither series measures the Zenus programme. Show data tableHide data table Scroll left or right to see all columns __EMV deployment in issued cards and card-present payments (%)__ | Category | Share of all issued cards that are EMV-enabled | Share of card-present transactions using EMV | | ------------------- | ---------------------------------------------- | -------------------------------------------- | | June 2022 release | 68% | 90% | | August 2023 release | 69% | 93% | ## Three geographic numbers that should not be confused In its April 11, 2023 release, IDEMIA described a single-U.S.-BIN programme reaching more than 133 countries; Zenus's version specified Visa-eligible destinations. That is the programme's stated eligible-market scope. Visa's glossary identifies BIN as an issuer-identification term, not an unconditional right for any applicant in any country to obtain a card. The earlier March 2023 Zenus and Visa rollout account, covered contemporaneously on March 2, described actual issuance in more than 46 countries and acceptance at more than 80 million merchant locations in 200 countries. The dated snapshots measure different things: reported issuance footprint, the later stated eligible-market scope and network acceptance. The figures do not demonstrate that actual issuance expanded from 46 to 133 countries between the announcements. The same release gave the card a weight of 13.5 grams. That is a tangible product specification. Its references to travel, purchase protection and premium services described the Visa Infinite proposition then being marketed; the details of a benefit depend on the applicable programme and terms. ## Visa Infinite described the tier; debit described the product The card was presented as a Visa Infinite debit product, bringing a premium card proposition to an account-funded relationship. Its metal body did not make it a credit facility, and international acceptance did not make it a prepaid gift card. For the card industry, the project is therefore a case in bank issuance, material engineering and fulfillment rather than stored-value distribution. That distinction also explains the partnership structure. Visa supplied the network relationship and programme context, Zenus supplied the banking and issuing proposition, and IDEMIA supplied the physical-card capabilities described in its release. Our [coverage of Zenus's Visa principal membership](https://giftcard.news/payments-technology/zenus-visa-principal-membership-2020/) follows the earlier network milestone. ## The retail programme belongs to its period In its July 2025 strategy announcement, Zenus scheduled the end of its dedicated retail platform for October 22, 2025 and shifted its emphasis toward fintech and institutional infrastructure. The 2023 application and delivery proposition therefore belongs to that earlier retail programme, rather than serving as instructions for prospective customers today. The industrial lesson survives that change: cross-border card issuance involves the full chain from a regulated account and network credential to personalization, shipment and customer support. IDEMIA's project with Zenus documented that chain unusually clearly. The later strategic pivot changes the distribution model through which Zenus serves end-users, while the historical announcement remains evidence of how its first physical card was built. ## In this article ### Companies * [IDEMIA](https://giftcard.news/company/idemia/) * [Visa](https://giftcard.news/company/visa/) * [Zenus Bank](https://giftcard.news/company/zenus-bank/) ### Sources and documents * [\[S01\] IDEMIA: original announcement](https://www.idemia.com/news/zenus-partners-idemia-launch-its-first-physical-payment-card-2023-04-11?utm%5Fsource=giftcard.news&utm%5Fcampaign=giftcard.news) — IDEMIA * [\[S02\] Zenus Bank: Zenus account of the project](https://zenus.com/newsroom/zenus-bank-partners-with-idemia-to-launch-its-first-physical-payment-card?utm%5Fsource=giftcard.news&utm%5Fcampaign=giftcard.news) — Zenus Bank * [\[S03\] Zenus Bank: July 2025, the bank announced plans to discontinue its dedicated retail platform](https://zenus.com/newsroom/zenus-bank-announces-strategic-shift-to-focus-on-fintech-services?utm%5Fsource=giftcard.news&utm%5Fcampaign=giftcard.news) — Zenus Bank * [Zenus Bank: Visa Infinite launch and 13.5-gram card specification](https://zenus.com/newsroom/zenus-bank-and-visa-extend-partnership-rolling-out-first-visa-infinite-debit-card?utm%5Fsource=giftcard.news&utm%5Fcampaign=giftcard.news) — Zenus Bank * [IDEMIA: October 17, 2019 Smart Metal Art construction and dual-interface technology](https://www.idemia.com/press-release/idemia-acquires-x-core-technologies-metal-payment-card-business-and-launches-smart-metal-art-offer-2019-10-17?utm%5Fsource=giftcard.news&utm%5Fcampaign=giftcard.news) — IDEMIA * [Visa Developer: BIN and issuer-identification terminology](https://developer.visa.com/pages/glossary?utm%5Fsource=giftcard.news&utm%5Fcampaign=giftcard.news) — Visa * [FinTech Global: March 2, 2023 contemporary Visa Infinite rollout coverage](https://fintech.global/2023/03/02/zenus-bank-launches-first-global-visa-infinite-debit-card/?utm%5Fsource=giftcard.news&utm%5Fcampaign=giftcard.news) — FinTech Global * [EMVCo: June 2022 release of end-2021 global chip deployment figures](https://www.emvco.com/news/emvco-reports-12-billion-emv-chip-cards-in-global-circulation/?utm%5Fsource=giftcard.news&utm%5Fcampaign=giftcard.news) — EMVCo * [EMVCo: August 2023 release of end-2022 global chip deployment figures](https://www.emvco.com/news/emvco-reports-nearly-13-billion-emv-chip-cards-in-global-circulation/?utm%5Fsource=giftcard.news&utm%5Fcampaign=giftcard.news) — EMVCo Share [ ](https://x.com/intent/post?url=https%3A%2F%2Fgiftcard.news%2Fpayments-technology%2Fzenus-idemia-physical-visa-infinite-card-2023%2F%3Futm%5Fsource%3Dx%26utm%5Fmedium%3Dsocial&text=IDEMIA+built+Zenus%27s+first+physical+Visa+debit+card+for+international+distribution&utm%5Fsource=giftcard.news&utm%5Fcampaign=giftcard.news "X") [ ](https://www.linkedin.com/sharing/share-offsite/?url=https%3A%2F%2Fgiftcard.news%2Fpayments-technology%2Fzenus-idemia-physical-visa-infinite-card-2023%2F%3Futm%5Fsource%3Dlinkedin%26utm%5Fmedium%3Dsocial&utm%5Fsource=giftcard.news&utm%5Fcampaign=giftcard.news "LinkedIn") [ ](https://wa.me/?text=IDEMIA+built+Zenus%27s+first+physical+Visa+debit+card+for+international+distribution+https%3A%2F%2Fgiftcard.news%2Fpayments-technology%2Fzenus-idemia-physical-visa-infinite-card-2023%2F%3Futm%5Fsource%3Dwhatsapp%26utm%5Fmedium%3Dsocial&utm%5Fsource=giftcard.news&utm%5Fcampaign=giftcard.news "WhatsApp") ![Portrait of Daniel Brooks](https://giftcard.news/images/variants/v1/daniel-brooks-editorial-portrait-w320.webp) About the author ## [Daniel Brooks](https://giftcard.news/author/daniel-brooks/) Journalist — Payments, Security & PCI DSS Daniel Brooks covers payment networks, financial technology, payment security, gift card fraud and PCI DSS for Gift Card News. From reading to building ## Your next move in gift cards. Tell us what you’re building. We’ll help you explore suitable providers. [Find a provider ](https://giftcard.news/find-a-provider/) ## Related articles [Payments & Technology](https://giftcard.news/payments-technology/) News ### [Zenus secured Visa principal membership as it prepared its cross-border bank](https://giftcard.news/payments-technology/zenus-visa-principal-membership-2020/) [Daniel Brooks](https://giftcard.news/author/daniel-brooks/) June 30, 2020 6 min [Industry Deals](https://giftcard.news/industry-deals/) News ### [Zenus set October 2025 retail exit to concentrate on fintech infrastructure](https://giftcard.news/industry-deals/zenus-retail-banking-exit-fintech-infrastructure-2025/) [Oliver Reed](https://giftcard.news/author/oliver-reed/) July 22, 2025 9 min [Industry Deals](https://giftcard.news/industry-deals/) News ### [Zenus integrates Tuum accounts and payments modules for its global BaaS platform](https://giftcard.news/industry-deals/zenus-tuum-accounts-payments-baas-integration/) [Oliver Reed](https://giftcard.news/author/oliver-reed/) October 16, 2024 6 min ```json {"@context":"https://schema.org","@graph":[{"@type":"NewsMediaOrganization","@id":"https://giftcard.news/#publisher","name":"Gift Card News","url":"https://giftcard.news/","description":"News and analysis covering gift cards, retail, loyalty, rewards and payments worldwide.","logo":{"@type":"ImageObject","url":"https://giftcard.news/icon-512.png","contentUrl":"https://giftcard.news/icon-512.png","width":512,"height":512,"@id":"https://giftcard.news/#logo"},"publishingPrinciples":"https://giftcard.news/editorial-policy/","correctionsPolicy":"https://giftcard.news/editorial-policy/"},{"@type":"WebSite","@id":"https://giftcard.news/#website","url":"https://giftcard.news/","name":"Gift Card News","description":"News and analysis covering gift cards, retail, loyalty, rewards and payments worldwide.","inLanguage":"en","publisher":{"@id":"https://giftcard.news/#publisher"},"potentialAction":{"@type":"SearchAction","target":"https://giftcard.news/search/?q={search_term_string}","query-input":"required name=search_term_string"}},{"@type":"Person","@id":"https://giftcard.news/author/daniel-brooks/#person","name":"Daniel Brooks","url":"https://giftcard.news/author/daniel-brooks/","description":"Daniel Brooks covers payment networks, financial technology, payment security, gift card fraud and PCI DSS for Gift Card News.","jobTitle":"Journalist — Payments, Security & PCI DSS","image":{"@type":"ImageObject","url":"https://giftcard.news/images/daniel-brooks-editorial-portrait.webp","contentUrl":"https://giftcard.news/images/daniel-brooks-editorial-portrait.webp","width":1254,"height":1254,"caption":"Illustrated portrait representing the Daniel Brooks editorial profile.","@id":"https://giftcard.news/images/daniel-brooks-editorial-portrait.webp#image","encodingFormat":"image/webp","description":"Illustrated portrait for Daniel Brooks, a Gift Card News editorial pen name","creditText":"Gift Card News / AI-generated illustration"}},{"@type":"ImageObject","url":"https://giftcard.news/images/idemia-built-zenus-s-first-physical-visa-debit-card-international-distribution-hand.webp","contentUrl":"https://giftcard.news/images/idemia-built-zenus-s-first-physical-visa-debit-card-international-distribution-hand.webp","width":1920,"height":1500,"caption":"Zenus Visa Infinite debit card in imagery accompanying IDEMIA's April 2023 announcement.","@id":"https://giftcard.news/images/idemia-built-zenus-s-first-physical-visa-debit-card-international-distribution-hand.webp#image","encodingFormat":"image/webp","description":"A hand holds a purple Zenus Bank Visa Infinite card above a payment terminal","creditText":"IDEMIA","isBasedOn":"https://www.idemia.com/news/zenus-partners-idemia-launch-its-first-physical-payment-card-2023-04-11"},{"@type":"Dataset","@id":"https://giftcard.news/payments-technology/zenus-idemia-physical-visa-infinite-card-2023/#dataset","url":"https://giftcard.news/payments-technology/zenus-idemia-physical-visa-infinite-card-2023/","name":"IDEMIA built Zenus's first physical Visa debit card for international distribution: figure data","description":"Tabular data for the figures accompanying \"IDEMIA built Zenus's first physical Visa debit card for international distribution\". 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