A ternary card assembly is provided that includes a detachable smart card, a detachable information tab, and a disposable carrier card, which are connected by breakaway links. The smart card and the information tab may be connected to one another directly or indirectly through an intermediate element. The information tab may include one or more panels that are elastically displaceable from the plane of the information tab to render the information tab useful in different ways. A payload set is also provided, which includes a smart card and an information tab, which is detachably connected to only a part of the smart card's perimeter. Also provided are methods of preparing a smart card for use and for customizing a smart card.