A memory card which includes a circuit substrate having a generally planar surface, comprises a frame with an opening in one of a top or a bottom wall thereof for receiving the circuit substrate. A support structure on the frame supports the circuit substrate within the card. A cover closes the opening and encloses the circuit substrate and the electrical component within the internal card space created by the frame and cover. The support structure of the frame includes a plurality of shelves at different vertical locations within the frame to support the circuit substrate at different vertical levels to accommodate varying heights of electrical components mounted on one or both surfaces of the substrate. The circuit substrate includes a peripheral edge area with cutouts corresponding to only one of the shelves whereby only the periphery of the substrate need be modified for locating and supporting the circuit substrate at different levels within the card.