Salary packaging support in response to COVID-19


We are still here and ready to help you get the most from your salary packaging benefits.
In line with Government recommendations, many companies are operating working from home arrangements and major phone networks are experiencing intermittent issues. 
As a result, your ability to contact us, and for us to contact you, may be impacted from time to time. We apologise if this affects our ability to handle your call in a timely manner.


If you salary package both living expenses and meal entertainment benefits, the funds will be available on the same card.


Although funds are available on the same card, these funds are kept separate. The type of merchant you use and the details of the transaction will automatically trigger the account the funds are taken from (either Living Expenses or Meal Entertainment).


For example, if you use your card at a restaurant and are salary packaging Meal Entertainment, the funds will be deducted from the Meal Entertainment account. If you have insufficient funds in your Meal Entertainment account, your Living Expenses account will be used to make up the difference.This doesn’t work the other way because the funds in the Meal Entertainment account can only be used for qualifying Meal Entertainment transactions (i.e. if you don’t have enough funds in your Living Expenses account, your Meal Entertainment balance can’t be used to make up the difference). In this case, the transaction would be declined.


If you are only packaging one benefit – Salary Packaging Benefits or Meal Entertainment, your employer will only establish the appropriate benefit for your EML Card and the deduction will be allocated each pay.