As well as dust contributing to the poorer flow of heat away from your graphics card (and hence the fan having to work harder to achieve the same result) the other main thing which can lead to noisy graphics card fans is just age. Most computer fans are of the ball-bearing type which can after a few years develop a really annoying (though not technically very loud) "rattle" sound characteristic. People would often have replaced their card before this becomes a big problem though.