The body of the inventive payment card is made of a precious or rare metal, bone or fine wood. The elements of a payment system feature, an emitting bank features and protection and personalisation elements are also made from said materials and precious stones by engraving and incrustation. An area for a replaceable standard chip is also provided. Said invention makes it possible to increase the period of use and the reliability of the protection level of the payment card against imitation and counterfeit cards.