A card includes a secure element hosting a plurality of applications, at least one external interface and a user interface having user-selectable modes. Each mode is associated with multiple applications. A store at the secure element holds response data for responding to the external card reader and correspondence data. The response data includes data about the applications hosted by the card and the correspondence data indicates, for each mode, a correspondence between the mode and the response data to be sent for that mode. The card allows a user to select one of the plurality of modes for use when the card next communicates with the external reader. The card stores a mode indicator indicative of a mode selected by the user at the user interface and stores a usage indicator indicative of whether the card has communicated with an external reader since the mode indicator was stored.