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What you need:

Fonts: OCR A Extended, OCR-B-10 BT
Software: Adobe Photoshop (Version 7 is used in this tutorial)

Lets go.

Create new image 640x480 px with transparent background



Name current layer CC

Choose Horizontal Type Tool and choose font: OCR A Extended, size: 30pt

Type credit card number with spaces like this:



Now press Enter key twice.

Now choose font OCR-B-10 BT size 21pt and type in start date and expiry date, press enter one more time and type cardholders name in CAPS. You should get something like this:



Now save this file as emboss.psd and close it for now

Create new image 640x480 px with transparent background



Choose Rectangular Marquee Tool



Style: Fixed Size, W: 581 px, H: 381 px



Click anywhere in a document. Yow ill get a rectangular selection like this:



Choose select > modify > smooth



Set radius of 19 pixels



Now you will have a selection with rounded edges.

Now choose paint bucket tool and fill the selection with any easy-on-eyes color and deselect (select > deselect)

Save the file as cc.psd



Open emboss.psd that you saved earlier

Now go to Edit menu > Define pattern > OK

Close emboss.psd

Go back to cc.psd

Go to Layer menu > Layer style > Blending options



Check Bevel and Emboss menu and copy all properties from screenshot below



Now check Texture menu



Choose emboss.psd from the texture menu and set scale to 144%, then move embossed image to center it.



This what you should get



Now go to layer > layer style > pattern overlay and choose a background picture for your cc. Mine looks like this:





Now create a new layer and name it Text

Choose Horisontal type tool.

Now type exactly same text over embossed text in black color. You will have to adjust font sizes to match.



Now right click on Text layer and choose Rasterise



Now press CTRL key and click on Text layer. You will have only text selected



Go to Select > Modify > Contract, 1PX > OK

Select > Inverse

Now press DELETE key.

Select > diselect. This is what you should see:



Now go to Layer > Layer Style > Inner Glow, Opacity: 100%, Color #CCCCCC, Contour: Half Round



Go to Bevel and Emboss and copy my properties:



... > Contour:



> Color Overlay, Color: #FFFFCC



..>Stroke: Size: 1px, color: #DFDFDF



You will see something like this:



Copy and paste bank logo, Visa/MC logo, and add necessary text:



Now the difficult part: the dove.

Get an unembossed dove scan. Copy and paste it over last 4 digits. resize if nesessary: (the lines are here on purpose, so that nobody takes my dove. The dove should be in separate layer, lets call it dove.



With dove layer selected, go to Layer > Layer Style > Bevel and emboss:



... > Contour:



Make sure contour line is straight horizontal and in the middle:



... > texture, and choose emboss.psd that you saved earlier.



Move the texture so that only last 4 digits show on dove and adjust the scale so that numbers on cc and dove are same size.



Now choose Text layer (the one with cc number, dates and name) and move it to top by choosing Layer > Arrange > Bring to front.



Now final touch-ups.

Create new layer named White.

Choose Paint Bucket tool, color: white and fill the layer.

CTRL + Click on CC layer

Click on white layer and press DELETE key:



Go to CC layer > Bevel and Emboss > Contour and make sure the contour line is straight:



This is what you see:



Go Layer > Merge Visible.

Filter > Noise > add noise:



Amount 3%, monochromatic. > OK



Image > Image size



Width: 600, height: 450 > OK



Edit > Transform > Rotate



Rotate a picture by about 1-5 degrees, not more.



Done!