I would guess it is gold flash on stainless steel. I've seen a lot of PCMCIA cards with this type of gold plate but I have never checked the thickness.
The scratches is from the process of making the steel sheet metal that part is stamped off, the gold surface is so thin it follows the smallest scratches and it looks like it is on the surface. It could even be plated before it was stamped from the sheet metal.
To test the base metal, bend it on and off a couple of times, if it is brass it will break easily after a while and you could see the yellow interior in the break. If it is tough and slightly magnetic it's probably stainless steel. If tough and very magnetic then it is just steel.
Göran