well unfortunately you need to pass all the parameters

if you're trying to just shorten that just create a simple function

Code:
function change_card(var hand, int card, BMAP* bmp_card){
   pan_setbmap(hand, card, 1.0, bmp_card);
   pan_setbmap(hand, card, 1.1, bmp_card);
   pan_setbmap(hand, card, 1.2, bmp_card);
}

//then call 
change_card(freds_hand, 1, jack_heart);