Decrypting Login Keychain encrypted with smartcard
If you performed your initial login and profile setup using your "smartcard" then your login keychain password will be your PIN. 

If you find this is not the case (&amp; no passwords you enter work either), you may just have to trash your login keychain by deleting the login.keychain &amp; login.keychain-db files from ~/Library/Keychains, restarting, logging in again with your "smartcard" &amp; PIN to create a new login keychain, the password for which will then be the same as your PIN.