I haven't seen the pic, but there's no connection between water and fried sd.
SD Cards are amongst the strongest things on earth (joking), but really, I think you'll have to crack one to destroy it.
Anyway, I have both a Z Ultra and a Z, both used with 16, 32 and 64GB cards, and none of those had problems at all.
I dunno, maybe it's the make/model?
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