HTML Code

<!DOCTYPE html>
<html lang="en">
<head>
  <meta charset="UTF-8">
  <meta name="viewport" content="width=device-width, initial-scale=1.0">
  <title>Click-through overlay</title>
  <style>
    body {
      font-family: system-ui, sans-serif;
      padding: 24px;
      background: #f8fafc;
    }

    .pe-stack {
      position: relative;
      max-width: 360px;
      border-radius: 12px;
      overflow: hidden;
      box-shadow: 0 4px 16px rgba(15, 23, 42, 0.12);
    }

    .pe-stack img {
      display: block;
      width: 100%;
      height: 200px;
      object-fit: cover;
    }

    .pe-overlay {
      position: absolute;
      inset: 0;
      display: flex;
      align-items: center;
      justify-content: center;
      background: rgba(15, 23, 42, 0.45);
      color: #fff;
      font-size: 1.25rem;
      font-weight: 600;
      pointer-events: none;
    }

  </style>
</head>
<body>
  <h1>Decorative overlay</h1>
  <p>The label sits on top visually, but clicks pass through to the link below.</p>
  <div class="pe-stack">
    <a href="#" onclick="alert('Link clicked!'); return false;">
      <img src="https://picsum.photos/seed/pe-overlay/720/400" alt="Sample photo">
    </a>
    <div class="pe-overlay">Tap the image</div>
  </div>
</body>
</html>

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Click-through overlay with pointer-events: none