Hi Mark,
Smart-card support isn't a built-in feature of Jira. However, there are many authentication plugins on the Marketplace which extend Jira to use the authenticator of your choice.
In particular, Kerberos plugins allow you to use the native support for smart cards in Windows.
Some (but not all) SAML-based authentication providers like Okta support smart cards as well. SAML providers are more common than Kerberos-based providers, and if you're using Jira Data Center, SAML support is built-in without the need for an additional Jira plugin. There are many great SAML authentication plugins for Jira on the Atlassian Marketplace.
I would lean toward using a SAML-based authentication provider if you have one available (ADFS is common in Microsoft environments, okta is well-known as a Cloud service) as you can easily extend this out to other applications besides just Jira. If you're only dealing with self-hosted applications on your own network, Kerberos may be fine for your needs.
Hope that helps,
Daniel
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