When the ratings chart refers to intelligence, is it in reference to human IQ or football IQ? Discipline is important too. An undisciplined player can hurt you in a game with stupid mistakes. But my question is which attribute is more crucial intelligence or discipline?

Intel helps with play familiarity. Discipline factors into penalties. Can't say one way or the other. Depends on your preference.

I side with intelligence, but I don't think either is super important.