In this paper, we introduce a novel design of high-performance smart card with HF/UHF dual-band RFID tag to overcome frequency interference problem. Firstly, we have designed and tested a UHF RFID tag using a simulation software system. In the smart card hardware design stage, we connect a HF antenna and a UHF antenna and place them in one inlay sheet. Using a spectrum analyzer, we systematically adjust the antenna pattern to detect the optimal patterns that fit the impedance of the RFID chip. We evaluate the performance of the resulting smart card with standard RFID testers. The experiments show that our proposed RFID tag outperforms other dual-band RFID tags and maintains itself in a reasonable size. Moreover, we increase IC chip's memory capacity to resolve security-related problems when RFID tags are used in a financial transaction. We firstly exploit an IC contact protruded from the card to add an additional memory, and we integrate functions of the RFID tag to use the equipped memory through the induced current of the contact. The implemented prototype of our proposal can accommodate an extended memory ranging from one gigabyte up to four gigabytes.