It depends how long it takes you... If its some amazing card design that is innovative and unique then I dont see a problem with that.. if your just dragging the logo onto a 88x55mm face and playing for 20 mins then yeah, you are charging too much.
I would say that you're worth what the client will pay so if you can get £130 for your time then go for it. But if you're finding those clients few and far between then perhaps you should reassess the situation.
As part of our pricing for business cards we allocate £30 towards the design element. So if we outsource we pay up to £30. If the design is bespoke then we discuss this with the customer explaining our 'allocated fee' is not enough. Most designs have fallen under 'allocated fee'. We couldn't get away with £130. If we did they wouldn't come back.