Having both bluetooth and wifi modules will add a lot to the cost - you're likely talking a $100 card. Did you have a couple of specific modules in mind?
Wifi modules - $20-30 http://www.mouser.com/Search/Refine.aspx?N=11067490&Ns=Pricing%7c0
Bluetooth modules - $10-20http://www.mouser.com/Search/Refine.aspx?Keyword=bluetooth+module&Ns=Pricing%7c0&FS=True
The rest of what you describe is just a mega layed out a little differently with RTC chip, uSD socket, 5V to 3.3V converters & power source for the uSD. Need I2C or SPI for RTC, SPI for uSD, maybe a serial port each for the RF modules, Rxo/Tx0 for USB communications. Leave 1 free for other user use.
Having 2 RF modules is a conflict with requirement #10.