Card finishes & customisation options

Every visual, tactile and technical option for B2B card programmes

Complete reference of finishes, encoding standards, materials and formats used across our PVC cards, paper cards, smart cards, magnetic stripe, gift card packaging and badge holder ranges. Designed for B2B specifiers who need to confirm capabilities before requesting a quote.

Every option in production Combinations validated Free digital proof Express EU delivery
Card finishes and customisation options reference for B2B card printing

Why this reference matters

Every finish, every option β€” validated in production

Full range covered

Every finish, encoding standard, material and format used across our PVC, paper, smart card, packaging and accessory ranges β€” documented in one reference page for B2B specifiers.

Combination expertise

Finishes are layered in the right order β€” lamination first, then foil, then spot UV β€” to preserve registration and avoid finish conflicts. Combinations are validated on the chosen stock before production.

Production-tested

Every option listed here is in current production at Lumacards. No "available on request" smoke screen β€” if it is on this page, it ships from European production within standard lead times.

Talk specs with a real specialist

Get a tailored quote on any finish or combination

Tell us your project β€” finish ambition, stock preference, encoding requirement, deadline. A production specialist returns a tailored quotation within 24 hours, with recommendations on the right combination for your brand.

  • 24-hour tailored quotation
  • Every finish, every option, every combination
  • Bring your file or use our design service
  • Free digital proof on the chosen specs
  • Express EU delivery available
  • GDPR-compliant handling

Get your quote in 24h

Your details are secure β€” no spam, no commitment.

The complete reference

Every finish, encoding, material and format β€” in five groups

Five families cover the full scope: visual and tactile finishes, personalisation and variable data, encoding and reading standards, materials and stocks, formats and cuts.

Group 1 β€” finishes

Visual & tactile finishes

Surface treatments and embellishments that turn a printed rectangle into a kept object β€” most are available on both PVC and paper, some are stock-specific.

Hot foil stamping in gold silver copper rose-gold for premium card branding
Most impactful

Hot foil stamping

Gold, silver, copper, rose-gold or coloured metallic foil applied with heat and pressure. The most consistently effective finish to lift perceived value β€” particularly impactful on dark or matte laminated backgrounds. Works on PVC and paper.

Spot UV selective varnish on logo or brand element for refined gloss contrast
Selective gloss

Spot UV varnish

Glossy varnish applied only to specific design elements over a matte background. Creates refined visual contrast on logos, names or key motifs without the metallic statement of foil. Works on PVC and paper.

Gloss and matte lamination protecting card print and extending lifespan
Standard protection

Gloss or matte lamination

Protective film over the printed surface β€” gloss intensifies colour saturation, matte delivers a quieter refined finish. Both extend card lifespan against wallet wear. The default finish on most PVC and paper card products.

Soft-touch lamination velvety matte film for premium tactile feel
Tactile premium

Soft-touch lamination

Velvety matte film over the printed surface β€” fingerprint-resistant and signature of premium consultancy, beauty and hospitality brands. The tactile cue that says "considered" before the recipient sees the design. Works on PVC and paper.

Embossed and debossed relief on paper card for tactile premium impact
Paper only

Embossing & debossing

Raised (emboss) or recessed (deboss) relief on logo, monogram or graphic elements. A tactile finish exclusive to paper stocks β€” particularly impactful on uncoated, recycled, cotton and triplex papers above 350 gsm.

Triplex paper card with painted coloured edges for premium signature look
Triplex only

Edge painting

Coloured ink applied to the cut edge of triplex or thick paper stocks (600+ gsm). Available in any brand colour or metallic gold. Visible only when the card is held edge-on or stacked β€” a discreet but immediately recognised premium signal exclusive to paper.

Scratch-off ink layer hiding activation code or PIN for promotional and gift card use
Hidden code

Scratch-off ink

Opaque silver or gold ink layer hiding an activation code, PIN or promotional reveal β€” the customer scratches to access the data. Standard anti-fraud configuration for gift cards displayed on retail racks. Works on PVC and paper.

Writable signature panel for member endorsement on the back of the card
Manual entry

Writable panel

White writable area on the back of the card for signature, name, validity date or other manually-entered information. Compatible with standard ballpoint and gel pens. Common on membership, student and visitor cards (PVC).

Pantone spot colour matching on top of CMYK for brand-critical reproduction
Brand accuracy

Pantone colour matching

Pantone spot colour added on top of standard CMYK printing to reproduce a specific brand reference exactly. Useful when a corporate colour must be identical on every production run and CMYK conversion alone is not precise enough. Works on PVC and paper.

Group 2 β€” personalisation

Variable data & personalisation

Every card receives unique data merged from your file β€” barcodes, numbers, names, photos, validity dates. The mechanic that turns a printed batch into individualised cards.

Variable photo and member data printed on each card individually
Photo ID

Photo & variable member data

Member photo, full name, ID number, validity dates, tier labels β€” printed individually from your CSV or Excel file during the run. Each card unique. Photo printing requires JPEG/PNG at 300 dpi minimum.

Sequential or structured unique numbering per card
Tracking

Sequential numbering

Unique sequential or structured numbering per card for internal tracking, member management, gift card activation and operational programmes. Numbering can be visible on the surface or hidden under a scratch-off layer.

1D EAN or Code 128 barcode for retail POS scanners
POS standard

1D barcode (EAN / code 128)

Standard 1D barcode printed at scan-grade resolution. Read by every retail laser scanner without configuration. EAN-13 for retail integration with commercial product codes; Code 128 for variable-length custom member IDs.

Unique QR code per card for mobile loyalty app and digital programmes
Mobile-ready

QR code

Unique QR code per card, readable by every smartphone camera and 2D scanner. Links to digital wallets, member portals, vCard downloads, activation pages or hybrid POS-plus-online platforms.

Pre-printed stamp zones on paper card for stamp loyalty programmes
Paper only

Stamp zones

Pre-printed grids of 5, 8, 10 or 12 stamp cells with a clearly identified reward zone β€” for proximity retail loyalty programmes (coffee shops, bakeries, restaurants, hairdressers). Custom stamp shapes available.

Detachable perforation for promotional coupon redemption on paper card
Two-piece

Detachable perforation

Perforated line on the card that the customer detaches to redeem a promotional offer or separate a personal message from the redeemable section. Common on paper loyalty welcome cards and gift voucher kits.

Embossed variable numbering or text on PVC card for tactile bank-card style personalisation
Variable embossing

Embossed variable numbering or text

Raised cardholder name, member number or unique reference pressed into the PVC β€” a tactile, bank-card style personalisation. Variable data card by card (one card, one unique raised number) for premium membership, executive ID cards and access programmes.

Group 3 β€” encoding & reading

Chip standards & reader compatibility

Every encoding standard supported, every chip family validated on reference reader equipment before dispatch β€” for access control, transport, e-government, ticketing and secure authentication.

Mifare Classic DESFire NTAG contactless RFID NFC chip family
Contactless rFID/NFC

Contactless RFID & NFC chips

Full NXP Mifare family (Classic 1K/4K, Plus, DESFire EV1/EV2/EV3 2K/4K/8K), NTAG 213/215/216 NFC, EM Marin 4102/4200, ICODE SLIX, T5577, Fudan compatible. ISO 14443 (13.56 MHz HF) and ISO 15693 vicinity standards. 125 kHz LF chips for legacy access infrastructure.

Contact chip ISO 7816 for secure authentication and e-government
Contact chip

Contact chip ISO 7816

Visible chip module inserted into a card reader for secure authentication, banking, e-government and PKI applications. SLE4442 for simple memory cards, Java Card with applet loading and PKI certificate injection on request.

Hi-Co and Lo-Co magnetic stripe encoding ISO 7811 tracks 1 2 3
Magnetic stripe

Magnetic stripe (Hi-Co & Lo-Co)

ISO 7811 tracks 1, 2 and 3. Hi-Co 2750 Oe and 4000 Oe for permanent encoding on hotel keys, transport and access cards. Lo-Co 300 Oe for rewritable applications. Variable data encoded card-by-card and read-verified before dispatch.

Dual interface card with contact chip plus contactless antenna and magnetic stripe
Multi-tech

Dual interface & hybrid

Single card combining contact chip (ISO 7816) and contactless antenna (ISO 14443) β€” the standard for e-government, secure corporate badges and modern banking. Hybrid configurations with magnetic stripe also possible for phased reader-migration projects.

UID sector keys applet loading PKI certificate injection on smart cards
Pre-encoding

Chip personalisation

UID programming, sector key configuration, memory initialisation, Java Card applet loading and PKI certificate injection β€” performed under controlled workflow with secure key exchange protocols. Fully ready-to-deploy cards on dispatch.

Group 4 β€” materials & stocks

PVC and paper stock range

Material is the first signal a card carries. The range covers ISO standard PVC for daily-use cards, premium plastic stocks for executive positioning, and a wide paper range from coated workhorse to triplex and cotton premium.

Standard PVC 0.76mm ISO 7810 card reference standard for daily use
PVC reference

Standard PVC 0.76 mm

ISO 7810 ID-1 reference specification (85.6 Γ— 54 mm, 0.76 mm thick). The right base for loyalty, gift, membership, student, business and identification cards. Recyclable thermoplastic β€” long lifespan, wallet-compatible.

Transparent polyester card for modern creative business positioning
Signature look

Transparent polyester 0.55 mm

Fully clear PVC stock for architects, creative studios, modern consumer brands and luxury positioning. A printed element appears to float in the hand. Requires opaque white underlay for fully readable text.

Frosted translucent PVC card with semi-transparent finish
Softer clear

Frosted / translucent PVC

Semi-transparent stock with a softer, slightly milky finish. Combines the signature of clear PVC with better legibility of printed text. Popular with coworking spaces, private clubs and design-led memberships.

Flexible PVC 0.25mm thin signature business card format
Signature thin

Flexible PVC 0.25 mm

Thin, supple plastic card that bends with a distinctive snap. Memorable at the handover moment β€” a strong pick for executive business cards, networking events and creative industries.

Coated 350 gsm paper card standard stock for sharp colour and clean print
Paper standard

Coated paper 350 / 400 gsm

Smooth coated stock with sharp colour rendering β€” the reference for paper loyalty, gift and business cards. 350 gsm is the workhorse; 400 gsm delivers a more substantial premium feel for high-end positioning.

Uncoated natural and FSC certified recycled paper stocks for eco brands
Eco positioning

Uncoated & recycled FSC

Matte uncoated natural stock for design-led brands, FSC-certified recycled paper for eco-conscious positioning. Pair with vegetable inks (soy or linseed-based) for a credible sustainability claim. Stamp-friendly for paper loyalty cards.

Triplex multi-layer paper card 600 gsm with visible coloured edges
Premium signature

Triplex 600+ gsm

Three layers of paper bonded together (typically 600 to 800 gsm total). Allows edge painting in a coloured central layer and creates the substantial, almost rigid feel associated with high-end studio cards.

Cotton paper card with soft natural fibre texture for ultra-premium positioning
Ultra-premium

Cotton & specialty papers

Cotton fibre paper with distinctly soft, slightly thicker tactile feel β€” the natural pairing for embossing and blind impression. Specialty papers (linen, felt, kraft, metallic, tracing) available for limited editions and design-led signatures.

Group 5 β€” formats & cuts

Sizes, die-cuts & custom shapes

Standard credit card size for wallet compatibility, alternative formats for distinctive positioning, custom die-cut shapes for brand-specific projects.

ISO 7810 ID-1 standard card format 85.6 by 54 mm credit card size
Reference

ISO 7810 ID-1 (85.6 Γ— 54 mm)

The credit card standard. Fits wallet card slots, standard cardholders, badge holders and packaging die-cuts. The default for PVC cards (loyalty, gift, membership, student, business, smart, magnetic stripe).

Standard European paper business card format 85 by 55 mm
Paper standard

EU business card (85 Γ— 55 mm)

Reference paper business card format on the European market. Slightly different from ISO 7810 (1 mm taller) β€” fits wallet card slots and standard cardholders. The default for paper business cards.

Square paper business card format 65 by 65 mm distinctive design positioning
Distinctive

Square format (65 Γ— 65 mm)

Compact square card for design studios, photographers and creative professionals seeking a format that immediately stands out. Compatible with most cardholders, slightly less wallet-friendly than the standard format.

DL and A6 voucher format paper gift card 105 by 210 mm direct mailing
Voucher format

DL / A6 voucher (105 Γ— 210 mm / 105 Γ— 148 mm)

Larger formats for direct mailings, hospitality vouchers, spa experiences and corporate gifting where the voucher carries longer descriptive text alongside the value (terms, validity, redemption instructions).

Rounded corners die-cut for cleaner refined edge and reduced wallet wear
Die-cut

Rounded corners

Die-cut radius on the four corners β€” softens the silhouette and reduces corner wear during wallet use, where unprotected corners are the first failure point on paper cards. Available on PVC and paper.

Custom die-cut card shape for brand-specific projects mini cards key tags
Custom shape

Custom die-cut shapes

Cards die-cut to brand-specific shapes β€” mini cards, key tags, half-cards, hang-hole cards for retail peg displays, or fully custom silhouettes. Tooling cost factored into the quote on first run, amortised on re-orders.

Round or oblong perforation hole for lanyard or badge holder attachment
Hole punch

Round or oblong perforation

Physical hole punched into the card for attachment to a lanyard, badge holder, retractable reel or key ring. Round (typically 4 mm) for lanyard hooks and key rings; oblong (typically 14 Γ— 3 mm) for flat clip attachments. Position and size confirmed on the proof against the intended accessory.

Need help choosing the right combination?

Tell us your project and a specialist returns finish recommendations alongside the quote within 24 hours β€” no commitment, no automated reply.

Combining finishes

How finishes are layered for production

Finish order matters β€” applied in the wrong sequence, foil chips off lamination, spot UV blooms onto adjacent areas, embossing crushes a laminated layer. The right sequence is documented and validated before every run.

Print finish layer review and combination check before production

1. Print base

CMYK printing on the chosen stock β€” coated for vibrant colour, uncoated for tactile premium, transparent for signature plastic positioning. Pantone spot colour added on top of CMYK if required.

Lamination layer applied as protective base before further finishes

2. Lamination

Gloss or matte lamination applied first as a protective base layer (soft-touch lamination is a paper-only option). Stamp-friendly cards skip lamination on the front to preserve ink absorption. Triplex bonding happens at this stage on multi-layer paper.

Foil stamping and spot UV applied in correct sequence after lamination

3. Foil & spot UV

Hot foil stamping applied with heat and pressure on the laminated surface β€” gold, silver, copper, rose-gold or coloured foils. Spot UV varnish applied separately, layered on selective design elements over a matte background.

Embossing edge painting and final cuts after main finish layers

4. Embossing, edge & cut

Embossing or debossing applied last (paper only), then edge painting on triplex if specified. Final die-cut, rounded corners and any custom shapes performed at the end. Quality-controlled card by card before packing.

Frequently asked questions

Your questions about finishes & options

Practical answers on finish compatibility, combinations, lead time impact, encoding choice and stock recommendations.

Which finish has the strongest visual impact for premium positioning?

Hot foil stamping consistently delivers the strongest visual impact β€” particularly when applied on a dark or matte laminated background. Edge painting on triplex paper comes second for paper-only projects, with the discreet but immediately recognised premium signal. For PVC, the combination of frosted or transparent stock with foil stamping creates the most distinctive luxury card on the market. Spot UV is a quieter alternative that signals refinement without metallic statement.

Which finishes work on both PVC and paper, and which are stock-specific?

Available on both: hot foil stamping, spot UV varnish, gloss/matte lamination, scratch-off ink, Pantone colour matching, rounded corners. Paper only: soft-touch lamination, embossing and debossing (relief requires paper fibres), edge painting (requires triplex multi-layer stock above 600 gsm), stamp zones for loyalty programmes. PVC only: writable signature panel, opaque white underlay (for transparent stocks), magnetic stripe encoding, contact and contactless chip embedding.

Can multiple finishes be combined on the same card?

Yes β€” and most premium cards do. The key is the correct application order: lamination first (protective base), then foil stamping, then spot UV, then embossing or edge painting last. Each finish is provided as a separate layer in the artwork file (foil zones and spot UV areas as 100 % black on dedicated layers). Combinations are validated on the proof and corrected if a finish risks chipping or registering poorly on another. There is no hard limit on combinations β€” only the budget and the visual coherence of the design.

Does adding finishes extend production lead time?

Yes, slightly. Standard production runs 4 to 6 working days for paper, 6 to 10 for PVC. Adding premium finishes (foil, embossing, edge painting, scratch-off) on paper extends the cycle to 6 to 10 working days. Embossing has minimal additional impact when applied without ink. Express lead times of 2 to 4 working days are available on standard configurations without complex finishing β€” mention your deadline upfront and we confirm feasibility.

Which encoding standard should i choose for access control?

Depends on your reader infrastructure. Modern secure access: Mifare DESFire EV2 or EV3 (3DES/AES encryption, mutual authentication). Established mid-security: Mifare Classic 1K/4K (most widely deployed but cryptographically dated). Legacy 125 kHz infrastructure: EM Marin 4102/4200 or TK4100 (read-only IDs). Smartphone tap interactions: NTAG 213/215/216 (NFC Forum Type 2). For new deployments where security matters, DESFire EV3 is the modern default. For pure card replacement on existing readers, share your reader model or an existing working card and we replicate the exact technology.

What is the difference between Hi-Co and Lo-Co magnetic stripe encoding?

Coercivity (in Oersted, Oe) determines how easily the magnetic data can be erased or rewritten. Hi-Co (2750 or 4000 Oe) is permanent encoding resistant to accidental demagnetisation by phones, magnetic clasps and bag covers β€” used for hotel keys, transport cards, banking and access cards. Lo-Co (300 Oe) is rewritable, used where the same card is re-encoded between users (gym day passes, library cards, short-cycle hotel rooms). The right choice depends on whether the data on the card is permanent or session-based.

Which stock accepts variable photo printing best?

Standard PVC 0.76 mm gives the best photo rendering with edge-to-edge full-colour printing β€” the reference for membership, student and ID cards. Paper alternatives work too: coated 350 or 400 gsm delivers sharp colour, uncoated natural softens the image with a more artisan feel. For very high photo quality requirements (passport-grade ID cards), PVC is the recommended choice. Photo files should be supplied as JPEG or PNG at 300 dpi minimum (around 400 Γ— 500 px at printed size for a standard photo zone).

Can the same card carry both magnetic stripe and chip encoding?

Yes β€” this is a hybrid technology card. Magnetic stripe on the back, contact chip or contactless antenna on the front, on a single card body. Common during phased reader-migration projects where both legacy and modern infrastructure must be supported in parallel. Dual interface cards (contact chip + contactless antenna sharing one secure element) are also available β€” the standard for e-government, banking and modern corporate badges.

How do i provide artwork for a multi-finish card?

Each finish requires its own dedicated layer in the working file. Foil zones, spot UV areas and embossing positions must be provided as separate 100 % black layers sitting over the CMYK base β€” so the finishing plates can be isolated cleanly at production. A 300 dpi print-ready PDF or AI file with 3 mm bleed covers the baseline. We share template files on request, or our in-house designers can prepare the artwork from a brief β€” quoted alongside the print order.

Ready to specify your card finishes?

Get a tailored quote with finish recommendations within 24 hours, or send us a message for technical advice. No commitment either way.