A 10-year universal contactless composite card is provided that can be personalized by both color and black&white surface printing and laser-engraving. The card includes a prelam layer or core that is a combination of polyvinyl chloride and polycarbonate. A co-extruded polycarbonate layer is then provided external to the polyvinyl chloride/polycarbonate core. The co-extruded polycarbonate layer is capable of being engraved by a laser. A clear polyvinyl chloride layer, which is capable of accepting printing ink, may then be provided on top of the co-extruded polycarbonate layer, thereby allowing the card to be personalized with either printing techniques or laser-engraving techniques.