Disclosed are a personalized service system based on a smart card, a method thereof, and a smart card applied to the same. Personalized information is extracted through the data mining by collecting user input information stored based on an SCWS (smart card web server) function, access history information for a site requested by a user, call history information of a user terminal stored based on a USIM (universal subscriber identity module), and base station information received from the user terminal. Since the personalized information is obtained based on the SCWS function and the USIM installed in the smart card, various regulations related to personalized information are circumvented, enabling provision of various personalized services.