Smartcards go from memory-chips to ARM 32-bit architecture microprocessors on board. There used in a variety of industries from Telecoms(sim cards) to banking(EMV).
Smartcards refer to cards that have a chip inside, RFID(NFC) cards can also fall in to this definition.
The widest uses of smart cards are SIM cards used with GSM Networks and Credit/Debit cards.
Most smartcards have an OS with a file system on them with applets which are selected with various terminals.
Smart cards are communicated with using Application Protocol Data Unit(APDUs) which encapsulate the data in to a standardised method for transport.