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Actually cine, it does that regardless of whether you've ever had a refund. I know my drops started at 2 hours before I used my first refund.
When they first started the 2 hour wait period at the start of refunds on Steam, yeah, it applied to everyone. Now it doesn't. I've never had a refund since the new refund policy went into effect and I get my drops on most games within the first half hour.
I've never requested a refund and I get my card drops right away, before 2 hours. The 2-hour rule applied to everyone for a while, but they silently changed it at some point.
It is recommended to take into account the overall length of your game. Mine isn't super long (that's what SHE said!) so I thought 15 mins would be good. IIRC, the options were 5, 10, 15, 30, 45(?), 1 hour, 2 hours.
So I think what's supposed to happen is after 2 hours of total playtime if you play a session for X amount of time afterwards (where X is the time set above) you should get a card drop. There's only so many you can get per game I guess, equal to half of the total set (ex. I have 10 so you can only have 5 max, and duplicates are possible).