>"Gold & Silver Wafer Programmer"
Thats for cards containing a microchip technology pic processor, it is not for SIM cards.
>1. What's the relation between smart card and sim card?
A smart card is a card that is smart, that term is used to refer to payphone cards, chipa-and-pin credit cards, satellite TV cards, ecash cash etc. A sim card is a Subscriber Identity Module for a mobile telephone.
>What is gold card / silver card? where can i get them?
Google. They are mainly used for pirate satellite TV cards.
>What uC is used in sim card?
Sim cards are not microcontrollers, they are ASIC's.
>Are the sim cards using same file system, regardless the phone
>model and service provider?
GSM sim cards work in any GSM phone (network locks allowing).