The most realistic and simple way to present your embossed cards is on a black background set.
Includes both Embossed & Debossed effects in 2 separate PSD files.
Play around with the opacity of shadows & highlights in the Bevel & Emboss effect until you find the sweet spot for the background color you pick.
Note: Try not to use full white or black so you maintain shadows & highlights visible.
Enjoy!