You must goto gypsy iris and ask her as everybody has a diffrent incantation.
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In order to defeat Master Chard in Magical Starsign you must a spell strike and light magic. Continue to do this and then perform a reflex guard for a slice kick.
All 4 Blast Spells, Air, Water, Earth, Fire in a certain order I think, best look up for a guide.
XP is not calculate when you kill a monster, but every time you hit it. You get XP for every damage point you inflict. In the case of magic spells, you also get a basic magic experience, just for using the spell. I am not sure about ranged.
Hex.
Yes, they are. Back around the time when the game was first released, green bordered cards were called Magic Cards. However this term is actually a trademark belonging to Wizards of the Coast, publisher of Magic the Gathering. Since both products are a similar nature, this infringed on the trademark, so Konami changed Magic Card to Spell Card, then Magic Ruler to Spell Ruler. In game terms, Magic Card and Spell Card are totally interchangable, different names for the same thing. If something instructs you to affect a Magic Card, it will apply to Spell Cards too, and vice versa.