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reason for keycard
I think the reason for the keycard is so you can lock the car with the keyfob inside, hidden hopefully, and put the slim credit card sized keycard in you bathing suit pocket and go surfing, for example.
Of course this could apply to many other activities.
Imagine you are at the beach with just a towel to lay on and want to jump in the water - what would you do with the ELECTRONIC FOB? Nightmare.
This way, the waterproof and inexpensive card can be safely zipped up in you wet pocket and away you go.
This is my understanding of the logic behind it.
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