Santa Claus is riding a swimming polar bear around icebergs in the waters of the north. He is wearing a red suit and has a bag of toys behind him while he holds the polar bear's reigns. "Wishing you A Merry Christmas" is printed near the bottom.
Santa Claus is in the center of the card, shown from the chest up. The background shows a wooden beam with icicles hanging from it and holly decorations at the left and right ends. "Xmas Joys" is printed to the left.