Let's be careful about the terminology, to avoid confusion.
There is clearly a physical difference between SMD (surface mounted device) cards and the plastic wafer cards. SMD cards are actually chunks of PCB and so are thicker and not as likely to warp from heat. But there are diferent qualities of plastic card too, some more liable to bending than others.
But the term "goldwafer" actually refers principally to a particular chipset, namely the pic 16F84 (or 16F84A) with eeprom 24C16 (or 24LC16). Your SMD card probably also uses that same chipset and so would fall into the category of "goldcard"/"goldwafer".
The number of providers that can be handled by a card (as well as a whole range of other features) is determined by the chipset and software on it, not by the physical nature of the card.
2old