just a small addendum to the thread i've forgotten before: SD and (e)MMC are specced to work between 2.7V and 3.6V always. some devices support dropping to lower voltage in order to save energy (especially on mobile devices running on batteries/accumulator) but that's not mandatory.
the init procedure up till the point where voltage is negotiated is to be done at 3.3V per specification (and that is signal as well as "energy transfer" voltage).
the init procedure up till the point where voltage is negotiated is to be done at 3.3V per specification (and that is signal as well as "energy transfer" voltage).