With my card reader, as long as I use "safely remove", another icon comes up on the desktop when another card is inserted. Dose anything show up in (in konqueror) system:/media ?
Normally using fstab for USB devices is a bad idea because the names are assigned in order of detection, but as the card reader is always in and always has the same address it's ok.
changing the permissions on /dev/sdc1 won't help because 1 when the card is removed /dev/sdc1 will disappear and 2 your not accessing the device your accessing the filesystem (to which the permissions are assigned).
You could create a fstab entry like:
/dev/sdc1 /media/cardreader vfat noauto,users,gid=smartcard 0 0