Smartcards have been out for a while, but smartcard-phones are hard to find… unless you live in Japan where their phones can read from the chip which is already built in, or you can settle with one or two discontinued and old Nokia phones. Some guy in Taipei has tried to dig out the chip from his smartcard (their EasyCard, similar to Oyster in England, Octopus in Hong Kong, and Felica in Japan), and plant it onto the battery cover of his Sharp 903 phone.
Of course your phone would need to have space for that, and you would have to be careful not to damage the circuit when cutting it out. Just imagine the face of the guy at the ticket office. —Sam Chan