cell phone memory card help

hi friends!! I have a nokia 7610 mobile and it has a MMC card in it but i want to fit a small card in it (SD card). do I need any special arrangement for it? i mean IC? or can just soldering the points help it? what are the differences between these cards?

They are the same functionality. MMC does not have the security function.

what about soldering the terminals. how do I solder the points. i mean there is one extra terminal in the card than the phone. so how do i proceed?