Recently, card-based interface is leading to a new trend of designing mobile software and application among popular social networks like Pinterest, Facebook, Twitter or Google Now. It is due to the fact that cards pattern is most flexible to be appeared properly on various screen sizes of mobile devices and to be structured toward users preference. Nonetheless, there are very rare developers who bring card-based interface into education field. In other word, there are barely studies that focus on the effectiveness of card-based interface on a personalized adaptive mobile learning. Thus card-based design for an adaptive mobile learning system still remains unclear. To this end, we developed a Personalized Adaptive self-learning mobile application function called PACARD, where the card-based interface was implemented. Additionally, an empirical study was conducted among thousands online users during two weeks to evaluate how PACARD affect on students' learning achievement and user retention, we also observe how our adaptive mechanism meet user preference. Regarding learning achievement, PACARD results in better learning outcomes. Regarding users retention, the result shows PACARD can be for increasing user retention. Regarding users preference, users were more likely attracted by learning items that are related to their own learning progress.