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A premium credit card on an elegant dark background. The card is centered, with a matte black or deep navy finish, subtle metallic accents, and engraved details. The background is minimalist and luxurious — a dark gradient or textured surface like brushed metal or soft fabric, with soft ambient lighting creating gentle reflections and shadows. The scene is clean, modern, and stylish, evoking exclusivity and high-end design. Photorealistic style, studio lighting, high contrast with smooth focus. Shot with a macro lens, shallow depth of field, ISO 200, f/2.8.