Adobe Photoshop CS4 + texture from CGtextures
I was trying out a different style here. It didn't really turn out how I envisioned - I was too torn between the flat style I was going for and the rendering I'm used to. So it ended up in between (which is almost always the worst place to be)... Will try again later!
I have more Christmas card ideas brewing - we'll see if I get a chance to work them up. :)