An RFID tag capable of enhancing the reliability of products and an RFID system having the same are provided. The RFID tag includes a tag antenna receiving waves from an RFID reader, and a tag driver. The tag driver includes an accumulation mode capacitor adjusting a capacitance value corresponding to an input voltage. That is, the tag driver adjusts the amplitude of a modulated carrier wave using the accumulation mode capacitor. Accordingly, the RFID tag adjusts the impedance of the tag driver without adjusting the current transmitted from the tag driver. Therefore, impedance adjustment of the tag driver can prevent the voltage transmitted from the tag driver from being lower than the reference voltage, and modulation and demodulation can be stably performed. As a result, the reliability of products can be enhanced.