An IC card may include a substrate having opposing first and second surfaces, and a circuit carried by the substrate adjacent the first surface of the substrate. The substrate may include a first area defining a first sector of the substrate carrying the circuit and configured to be separated from the IC card, the first sector having a form and size based upon a first IC card format, the first area having a first line delimiting the first sector to the first IC card format. The substrate may include a second area defining a second sector around the first sector and configured to be separated from the IC card based upon a second line. The second sector may have a form and size based upon at least one of a second IC card format and a third IC card format.