I've got an 04 Renault Megane saloon and recently I've had problems with the card. When I insert the card and I hit the start button, I get a rough screeching noise (the sort of noise you get when you try to turn the key to start a car thats already started). It usually takes at least 3 attempts to get the car started.
Well nothing to do with the card. Probably sounds like the starter motor is not connecting properly. When the starter is turned on a gear pops out and meshes with the engine. If this is loose or maybe stiff then it wouldn't pop out fully and make a grinding sound.