Hey the LDS said that is what it cost him, he charges $25 to get a replacement card. "Sounds unlikely" sounds like code for he is lying. I don't know why he would lie about that. It would then cost HIM money to get ME a card cheaply. Really????
$21 for a PADI card ? Sounds unlikely.
An online card costs 25 Euro ( US $29,77 at this moment) in Europe, a paper version is 29 euro (US$ 34,54). I do not believe that in your parts it is that much cheaper. Looks like your LDS is losing money on replacements cards..
US $ 37 ( for a paper version ) sounds about right.