This paper proposes a dual-stage biometrics-based authentication mechanism using smart card. It is considered the improvement over the conventional single-stage biometrics-based authentication mechanism, which exploits only one server for authentication, whereas the proposed scheme exploits two servers. The user authentication is performed in one server and hence it is called an authentication server. The credentials of the authentication server are stored in the second server, called the master server. The master server facilitates the authentication by providing required credentials to the authentication server. Both the security analysis and complexity analysis are conducted between the proposed and the conventional schemes. The analysis results show that the proposed scheme is secure than the conventional schemes with negligible computational complexity.