Sdcard_Init is part of the utility folder in the PDL structure. Please check FM_PDL_2.0.1\utility\sd_card\sd_card.c after installing PDL. It is recommended that you install PDL if for SD card interfaces. You also need to enable the SD card PDL macro to use the library functions.
I didn't look over there and indeed the example calls those functions. But I'm stuck with another problem regarding SDIF. When I insert an SD card, it interrupts but when I look into present state register, this card inserted is set to 0, and normal interrupt status also sets cardremoval to 1. When I pull the sd card out it detects as card inserted ? Could this have something to do with hardware connection to S_CD_0? I can give the the electrical scheme if needed.
You need to invert these signals as per SD card spec ,
As per the spec https://www.sdcard.org/jp/developers/overview/host_controller/simple_spec/Simplified_SD_Host_Controller_Spec.pdf SDCD pin level iis active in a level of low, for detecting SD card.