I found this design on Pinterest by Trude Thoman.
I think it's a great Aussie Christmas card with the seashells, representing an Australian Christmas, sun, surf and sea.
All Stampin' Up products:
Cardstock: Chocolate Chip, Very Vanilla, Soft Sky. Stamp set: By the Seashhore (R) Ink: Tip Top Taupe. Accessories: Polka Dot EF (R), Basic Pearls.