MN is always so good at this kind of thing! The work colleague I sit next to has just got engaged. We get on well, have lunch together frequently etc., and have socialised outside of work a few times, so I got her a card yesterday.
So who do I address it to? To, say, 'Jane and John' inside even though I've never met John? Or do I say 'Dear Jane, congratulations on your engagement, I hope you and John have a wonderful life together' type thing?