Further Card Battle Detail/Rules

Turn 1
Everyone draws a card
This determines your SET
The Sets are as follows:

Hearts - Healing
Clubs - Damage
Diamonds - Wards/Auras
Spades - Chaos

Your actions:
Roll for a success
Success means the effect goes through, discard card
Failure means it does not, take the failure effect of the suit
Choose to fail
Take the failure effect of the suit

Turn 2
Everyone draws a card
Determine set for all successes
Effect compounds for all failures
Second suit drawn creates a new effect (16 possible)
Hearts Hearts
Hearts Clubs
Hearts Diamonds
Hearts Spades
Clubs Hearts
Clubs Clubs
Clubs Diamonds
Clubs Spades
Diamonds Hearts
Diamonds Clubs
Diamonds Diamonds
Diamonds Spades
Spades Hearts
Spades Clubs
Spades Diamonds
Spades Spades

Your actions:
Same as turn one
Failure effects for the dual-suites are different and more dangerous
Success means discard both cards

Turn 3
Everyone draws a card
Determine set for all successes
Effect compounds for all failure
Suit doesn't matter for third card in hand
What matters is if it's a number or royalty
Every suit has a branching pattern here
Royalty will be high risk, high reward (risky bet)
Numbered will be low risk, low reward (safe bet)

Your actions:
Same as turn one
Failure effects for 3 card hands are deadly
Success means discard all 3 cards

Turn 4
Everyone draws a card
Determine set for all successes
Wild Card round for compounded failures
Effects stop compounding here, your hand is almost complete
Each card has a specified effect, ranging from 2-Ace
Choose any of the four cards and roll for a success
You must take that failure if you fail
Success means discarding THAT card, retain the other 3

Turn 5
Everyone draws a card
Do all the other shit
Full Hand round for compounded failures
The only thing that matters at this junction is if you have a "winning hand"
Winning hands are:
Royal Flush
Straight Flush
Full House
Flush
Straight
Four of a Kind
Three of a Kind
Two Pair
Pair
The enemy will have a full hand at this point
You place a bet with the monster which they must match*
Better hand wins

*Standard bet would be for hearts, or life for a life, but bets can be anything as long as the monster agrees. It's very much a poker-bluff. You can bet for cards, another player's life, etc. The monster can choose to fold, which means they surrender and you get the treasure/xp/whatever.