Hi surffguyy, if you're still looking for this (or anyone else finding this page via a search engine result) try http://extensions.joomla.org/extensions/photos-&-images/ecards/3593/details

If you don't have much luck with that it honestly wouldn't be a 'huge' job to hire a programmer to write an app that does what you need and checks the birthdays of your joomla members.  Price would depend on how complex you wanted things.  Honestly if you already had a card made up I think a lot of programmers could do a quick and dirty version to check members birthdays and email the card in less than an hour.  If the program needs to modify the card and add their name to it and any personal greeting that changes per user then it'd take another half hour to hour depending on whether the card is html, pdf, jpeg, etc.  (swf would take much longer to try to customize)