OBS:. On "ID" put the ID you want.
ID,Sealed_Kiel_Card,Sealed Kiel Card,6,20,,10,,,,,,,,769,,,,,{ bonus bDelayRate,-15; if(getrefine()>=15) { bonus bDelayRate,-5; } },{},{}
ID,Sealed_Boss_Ygnizem_Card,Sealed Boss Ygnizem Card,6,20,,10,,,,,,,,64,,,,,{ bonus bMaxHPrate,5; bonus bMaxSPrate,5; if(getrefine()>=15) { bonus2 bHPRegenRate,50,10000; bonus2 bSPRegenRate,10,10000; } else { bonus2 bHPRegenRate,50,15000; bonus2 bSPRegenRate,10,15000; } },{},{}
ID,Sealed_Ktullanux_Card,Sealed Ktullanux Card,6,20,,10,,,,,,,,16,,,,,{ bonus2 bAddEle,Ele_Fire,25; bonus5 bAutoSpellWhenHit,"WZ_FROSTNOVA",10,20,BF_WEAPON|BF_MAGIC,0; if(getrefine()>=15) { bonus2 bAddEle,Ele_Fire,10; } },{},{}
ID,Mistress_Card,Mistress Card,6,20,,10,,,,,,,,769,,,,,{ bonus bNoGemStone,0; bonus bUseSPrate,50; if(getrefine()>=15) { bonus bNoGemStone,0; bonus bUseSPrate,-15; } },{},{}
ID,Sealed_Tao_Gunka_Card,Sealed Tao Gunka Card,6,20,,10,,,,,,,,16,,,,,{ bonus bMaxHPrate,50; bonus bDef,-50; bonus bMdef,-50; if(getrefine()>=15) { bonus bMaxHPrate,75; bonus bDef,-50; bonus bMdef,-50; } },{},{}
ID,Sealed_Lady_Tanee_Card,Sealed Lady Tanee Card,6,20,,10,,,,,,,,64,,,,,{ bonus bMaxHPrate,-60; bonus bMaxSPrate,50; bonus2 bAddMonsterDropItem,513,200; bonus2 bAddItemHealRate,513,50; if(getrefine()>=15) { bonus bMaxHPrate,-50; bonus bMaxSPrate,50; bonus2 bAddMonsterDropItem,513,200; bonus2 bAddItemHealRate,513,80; } },{},{}
ID,Sealed_Mastersmith_Card,Sealed MasterSmith Card,6,20,,10,,,,,,,,2,,,,,{ bonus bBreakWeaponRate,500; bonus bBreakArmorRate,400; if(getrefine()>=15) { bonus bBreakWeaponRate,800; bonus bBreakArmorRate,600; } },{},{}
ID,Sealed_Vesper_Card,Sealed Vesper Card,6,20,,10,,,,,,,,769,,,,,{ bonus bDex,2; bonus2 bIgnoreMdefRate,RC_Boss,15; if(getrefine()>=15) {bonus2 bIgnoreMdefRate,RC_Boss,25;} },{},{}
ID,Sealed_Sniper_Card,Sealed Sniper Card,6,20,,10,,,,,,,,2,,,,,{ bonus2 bHpDrainRate,50,10; bonus bHPrecovRate,-100; if(getrefine()>=15) { bonus2 bHpDrainRate,50,10; } },{},{}
OBS:. Incantation Samurai, u didn''t changed anything.
ID,Sealed_Orc_Load_Card,Sealed Orc Lord Card,6,20,,10,,,,,,,,16,,,,,{ bonus bShortWeaponDamageReturn,15; if(getrefine()>=15) {bonus bShortWeaponDamageReturn,25 } },{},{}
ID,Sealed_High_Priest_Card,Sealed High Priest Card,6,20,,10,,,,,,,,16,,,,,{ bonus5 bAutoSpellWhenHit,"HP_ASSUMPTIO",1,50,BF_WEAPON|BF_MAGIC,0; if(getrefine()>=15) {bonus5 bAutoSpellWhenHit,"HP_ASSUMPTIO",1,100,BF_WEAPON|BF_MAGIC,0;} },{},{}
ID,Sealed_Turtle_General_Card,Sealed Turtle General Card,6,20,,10,,,,,,,,2,,,,,{ bonus2 bAddRace,RC_NonBoss,10; bonus2 bAddRace,RC_Boss,10; bonus3 bAutoSpell,"SM_MAGNUM",10,30; if(getrefine()>=15) { bonus2 bAddRace,RC_NonBoss,5; bonus2 bAddRace,RC_Boss,5; } },{},{}
OBS:. I didn''t understand why you would like to spell a Kyrie Eleison Lv.8, if it can be spelled at Lv.10.
I think there are some confusion on your effects, im leaving now, in a few hours i will be back to help in aything you will need.
@EDIT
For somereason all "if(getrefine()>=15)" become "if(getrefine()>=15)", now all is changed to the correct form.