The chip-card can be coupled to an associated write-read unit either via a contact bank or via an antenna coil. The write-read unit supplies the card with its operating power via the coupling, which is also used for data exchange. Where coupling is effected via the antenna coil, a rectifier (5) is provided to supply power. To achieve maximum range, the rectifier (5) is directly connected to components requiring operating voltage. An A.C. recognition circuit (12) is provided to facilitate switching between these two operating modes. Alternatively, the contact which delivers the operating voltage in the case of contact coupling is de-coupled from the rectifier and a voltage recognition circuit is connected to that contact. When coupling is effected via the antenna coil, the circuit elements not required for this operating mode should be switched to a power-saving rest state. The memory access authorisations can be configured in different ways according to the particular operating mode. Also disclosed are various geometrical configurations of contact bank, chip and antenna coil on the chip-card.