$re = '/\b(?:\d{4}[ -]?){3}(?=\d{4}\b)/m';
$str = 'Hi here is my card number its visa 4242 4242 4242 4242
Hi here is my card number its visa 4242424242424242
Hi here is my card number its visa 4242-4242-4242-4242';
$subst = "**** **** **** ";
$result = preg_replace($re, $subst, $str);
echo "The result of the substitution is ".$result;
Please keep in mind that these code samples are automatically generated and are not guaranteed to work. If you find any syntax errors, feel free to submit a bug report. For a full regex reference for PHP, please visit: http://php.net/manual/en/ref.pcre.php