Create a rectangle using rectangular shape tool.

Double click the layer to open layer style window and apply settings as shown.

Using pen tool create the shape as shown below.

Open an image that you want to display on the greeting card. And this can be your own image or image of the person you are going to gift the card.

Place the image over the shape created in an earlier step.

From filter menu select Blur>>Gaussian Blur.

Apply settings as shown below.

From Edit menu select Fade Gaussian Blur.

Apply settings as shown below.

Change the layer mode to screen. Reduce the opacity to 70%.

Double click the layer to open layer style window. Apply settings as shown.

Type in the greeting message using a nice for and apply from the style is shown below to decorate the text.

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