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The best thing to do is unmount and remove the card, this way it is certain that no more read/writes happen on the card. Also using a computer is more reliable than a phone. You have more equipment and software to play with to increase your chances of data recovery.I think that recover those photos with a PC is more convenient and fast. You have great possibility to retrieve data you mistakenly deleted from Android cellphone. Those files are still in the memory of your phone just not visible, and photo data are waiting to be written over by new data. So from now on don't use your cellphone to take more pics.
Yes, it wipes out all files, but still retrievable. But not 100% and based on a lot of luck. You also don't want to do any further read/writes on the card as that will lessen the chances of data recovery.The OP said he had reformatted the card.
I'm no expert but I thought that reformatting a card wiped any files on it, whereas simply deleting the files does as you say.