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From full-size cards to SIMs, key fobs, and wearables. It covers Smart Card Form Factors, ID-1 Full-Size Cards, SIM Form Factors (2FF, 3FF, 4FF), eSIM — Embedded SIM (SGP.22 / iSIM), and microSD Secure Elements. The guide is part of the Getting Started series and about 3 minutes of reading.

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Smart Card Form Factors

The term smart card covers a wider range of physical shapes than most practitioners expect. The choice of form factor is determined by the target device slot, the deployment environment, the acceptable cost, and whether the card needs to be user-removable.

Use the Smart Card Cost Estimator to model how form factor and interface choices affect unit cost and personalisation overhead.

ID-1 Full-Size Cards

The ID-1 format (85.60 × 53.98 × 0.76 mm) defined in ISO/IEC 7810 is the most recognisable form factor: standard credit-card size. The vast majority of banking, identity, transit, and access-control cards ship in ID-1.

Attribute ID-1 Spec
Width × Height 85.60 × 53.98 mm
Thickness 0.76 mm (± 0.08 mm)
Material PVC, PET, PC, or composite
Module cavity ISO 7816 position C1–C8 (contact)
Antenna space Full perimeter loop (contactless/dual)
Personalisation Embossing, laser engraving, UV print

The secure element chip is mounted in a module — a pre-packaged die on a lead frame — that is inserted into a routed cavity in the card body and bonded with conductive epoxy.

SIM Form Factors (2FF, 3FF, 4FF)

Subscriber Identity Modules are derived from ID-1 but progressively miniaturised as handset designs shrank. All three removable variants use the same contact pad layout and ISO 7816 electrical interface; only the surrounding plastic carrier differs.

Name Dimensions Common name
2FF 25 × 15 mm Mini-SIM
3FF 15 × 12 mm Micro-SIM
4FF 12.3 × 8.8 mm Nano-SIM
MFF2 5 × 6 mm (solderable) Industrial/M2M

The SIM card carries the IMSI, authentication keys (Ki), and network operator credentials. On a JavaCard-capable SIM, additional APDU-addressed applets can be post-loaded over the air.

eSIM — Embedded SIM (SGP.22 / iSIM)

The eSIM replaces a removable SIM with a soldered chip on the device motherboard. A remote provisioning server can load, switch, and delete operator profiles without physical card swap. Consumer eSIM follows GSMA SGP.22; M2M eSIM follows SGP.02.

Property Removable SIM eSIM
Physical swap Yes No
Profile change Physical swap Remote provisioning
Profile count 1 Up to 8 (device-dependent)
Size 4FF (12.3 × 8.8 mm) MFF2 or integrated
Survivability User-removable Vibration/shock resistant
iSIM variant N/A Die embedded in SoC

microSD Secure Elements

Some secure element deployments use the microSD slot as a secure element host. A microSD SE card exposes a standard SD card interface to the host OS while containing a hardened SE die internally. This allows NFC or cryptographic capabilities to be added to devices that lack a native SE.

Wearables and Modules

Contactless inlays — antenna plus chip, without a card body — can be laminated into wristbands, key fobs, stickers, and garments. The chip and antenna operate identically to a contactless ID-1 card at the protocol level; only the form factor differs. Power budgets and antenna efficiency are more constrained, which can reduce the reliable read range versus a full-size card.

When selecting a wearable form factor, verify that the antenna geometry is tuned for the deployment environment: metal proximity (as in a wristband near skin and watch case) detunes most standard inlays significantly.

For interface and standard selection, see Contact vs Contactless vs Dual-Interface.

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Frequently Asked Questions

What are the exact dimensions of an ID-1 smart card?

ID-1, defined in ISO/IEC 7810, measures 85.60 by 53.98 mm at a thickness of 0.76 mm with a tolerance of ±0.08 mm. Card bodies are produced in PVC, PET, polycarbonate, or a composite, with the contact module cavity positioned per ISO 7816 for pads C1 through C8 and the full perimeter available for a contactless antenna loop.

How is the chip attached to the card body?

The secure element die is packaged on a lead frame as a module, and that module is inserted into a cavity routed into the card body and bonded with conductive epoxy. Personalisation of the finished card is then applied by embossing, laser engraving, or UV print.

What is MFF2 and where is it used?

MFF2 is the solderable 5 by 6 mm SIM package used in industrial and machine-to-machine deployments, where the credential is mounted directly to the device board rather than inserted into a tray. It shares the ISO 7816 electrical interface with the removable 2FF, 3FF, and 4FF form factors.

Who are the smart card guides written for?

Our guides cover a range of experience levels. Getting Started guides introduce smart card fundamentals. Security guides address Common Criteria certification and key management. Programming guides target developers working with APDU commands, JavaCard applets, and GlobalPlatform card management.