okay--treat me like a blonde--I'm more of a dork than a geek...

is this what I want to use overseas w/their local sim cards? don't need wifi (have netbook) don't care about the camera--just want to make local calls to hotels, airlines, emergencies etc.
Buy.com - Unlocked! SVP i6 DualSim Qwerty Keypad QuadBand GSM Camera Smart Cell Phone w/ Free 4GB microSD
Do I need the card? or will this do:
Buy.com - Unlocked! SVP i6 DualSim Qwerty Keypad QuadBand GSM Camera Smart Cell Phone