Embodiments disclosed herein generally relates to a payment card, and more specifically to a payment card with obfuscated personal identification information and a method of generating the same. In one embodiment, an apparatus is disclosed herein. The apparatus includes a substrate, one or more sets of personal identification information, and a masking layer. The substrate is formed from a water-insoluble material. The one or more sets of personal identification information is formed on the substrate. The masking layer is selectively positioned on the substrate to obscure at least one set of personal identification information. The masking layer is formed from a water-soluble material.