First download the Disk Drill data recovery software for Mac. It can be installed on any Mac OS 10.8.5 and higher (including 10.11 OS X El Capitan). You can also install the app on a USB flash drive if needed.
The best way to keep your photos and other files safe is to protect them before something happens. Disk Drill offers various options for protecting your data for free: Recovery Vault and Guaranteed Recovery. By enabling these features you save yourself from desperately looking for a way to recover files on XD card or on your other storages.
Disk Drill offers Deep Scan that works through the raw data from a hard drive. It doesn't care if your drive is FAT, NTFS, or else. Disk Drill just scans through the remaining fragments of your files treating them like a puzzle with all of its knowledge of file signatures. Once it recognizes the binary signature it can easily recover files like .jpg, .doc, .xls, etc.