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.


For Employees

For Employees

Westpac is exiting the salary packaging cards market, and will be cancelling all salary packaging cards from 1 April 2020.


Your employer’s salary packaging card provider – PBI Solutions has partnered with EML Payment Solutions Limited (EML) to offer you a new Salary Packaging card, to ensure there is no disruption to your salary packaging benefits.  EML is a principal member of Mastercard in Australia and Europe and an Australian Taxation Office compliant provider of salary packaging cards.

  • A new ‘all-in-one’ card providing the convenience of only one piece of plastic in your wallet;
  • Convenient Mastercard contactless payments with tap&go™;
  • Immediate and free access to our Everyday Savings program:

        ∙ convenient access to benefits and other offers using an e-wallet or e-vouchers;
        ∙ thousands of dollars’ worth of deals and discounts that can be used again and
          again; and
        ∙ savings on groceries, retail, dining, accommodation and cinema tickets.

  • Ability for cardholders to check your balance on the go and keep track of transactions directly from the EML Benefits mobile app
  • Card-free purchases via digital wallets, such as Apple Pay and Google Pay.

There is no need to apply for a new card.  Your employer will order your new card and set up benefits that you currently salary package.  For example, if you are salary packaging using both the Westpac Every Day Purchases Card and Meal Entertainment Card both benefits will be established with EML.  However, with EML you will only have 1 card for both benefits.


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.


When your employer orders your EML Card, you will receive an email from EML. To be issued with the EML Card you are required to follow the link in the email and accept the EML Terms and Conditions.  EML is unable to issue your card until this activation step is complete.


Your new EML Card will be delivered to your postal address approximately 10 days after you accept the EML Terms and Conditions and activate your card.  Please ensure you check all your personal details before you accept the Terms' and Conditions',  including your postal address.

Please note you cannot use the card until salary packaging funds are deposited to the card.


You nominate your delivery address as part of the card activation process.


The card takes between 10-15 days to be delivered.


Activate by logging in to your online account or via the mobile app


Once you receive your physical or ‘proxy’ card:

  • - simply go to https://cmp.emlpayments.com/#/ and enter the email and password you created when you accepted the cards terms and conditions. Once you have logged in select ‘Manage Cards’ and then activate the ‘proxy’ card; or

- Download the ‘EML Benefits' app' from Google or Apple store.


Activate over the phone by calling 1300 139 224


This is an automated line and you will need your 16 digit card number and security code you nominated when you applied for the card.


Once you’ve activated your card, the first time you make a purchase you’ll need to insert your card, select 'credit' and then enter your PIN. After this first transaction, you can make purchases by tap and go™ if you then prefer.


After you’ve made your first transaction, you can then use Mastercard tap and go™ on purchases up to $100 (at eligible terminals), meaning you don’t need to sign or enter a PIN. For transactions over $100, additional authorisation is required by entering your PIN (for security reasons).


There will be no disruption, provided you activate your EML Card.  It’s important that you do this as soon as you receive your email and link from EML to ensure you are set up before the end of the FBT year (ending 31 March 2020). You may not have access to salary packaging funds if your card is not activated.

There may be a delay in accessing the remaining funds from your Westpac Card after the 31st of March. To avoid delays and disappointment please ensure you spend all remaining funds well before the 31st.


You can add the card to your ‘digital wallet’ as soon as you have activated your card. You can do this through the EML Benefits app, or alternatively, you can add the Card manually once you have received your physical or ‘proxy’ card. Please note that you will not be able to add the card to your digital wallet until you have activated it.


The salary packaging funds will be available on your card the day after pay day.  The first payment to the EML Card will happen on the first pay day in April 2020.  The easy to use EML Benefits app will provide you with access to your card balance as well as your transaction history. You can also access this information via your Online Account.


Please note, you can’t make a withdrawal or check your balance at an ATM.


As your salary packaging card is a pre-paid Mastercard, it cannot be used to set up future payments such as direct debits or ongoing regular payments. This is due to the terms and conditions of salary packaging cards, which require the card to be funded before a payment can be made.


Transactions made via BPAY are not permitted; however, you can pay your bills online or over the phone by providing the card number, expiry date and security code (CCV). You can also use your card to pay your bills via the Australia Post Billpay website – www.postbillpay.com.au. To use this functionality, you’ll need the “Post Billpay code” which can be found on most utility/ services accounts.


Yes, your Salary Packaging and Meal Entertainment Card can be used overseas. Transactions made in a currency other than Australian dollars will be subject to the Mastercard exchange rate at the time plus a 2.99 % foreign exchange fee.


The fee is $8 plus GST per month per benefit. The fees are deducted from your card on the 27th of each month.


The Everyday Savings Program is included as part of your PBI Solutions Salary Packaging and Meal Entertainment Card - you can access savings via the EML Benefits App or at point-of-sale. With the Everyday Savings program, your salary packaging funds go even further, with thousands of dollars of discounts you can access again and again to save on groceries and retail shopping, dining, accommodation and cinema tickets.


Show & Save Offers


Show & Save offers are available via the EML Benefits app and offer excellent repeat use on dining, activities, health, beauty and local services. Participating brands include McDonalds, Brumbys, Greater Union, Lollips, AMF Bowling, Michael’s Patisserie and many more. The offers are largely show and go, and these offers are typically 20% off (up to $25) at participating merchants and can be used daily.


Discounted Vouchers


You can also make great savings when you purchase discounted gift vouchers. Treat yourself to savings at national retailers such as Coles, Kmart, Rebel Sport, Myer, Big W and JB Hi-Fi. Simply click ‘Discounted Vouchers’ in the EML Benefits App and find a bargain.


The card is issued with a temporary PIN. We recommend for security reasons you change this PIN (it will also be easier to remember). To change your PIN, you need your card number, name, date of birth and your registered email address.


To change your PIN, visit: https://pin.emerchants.com.au.


·         Enter your 16-digit card number, your last name and date of birth, then press “continue”.

·         The details entered will be validated and on successful validation, a temporary security code will be sent to the email address registered against your card – the code will only be valid for 15 minutes. Click on “continue” – do not close the webpage, otherwise you’ll need to start the process again.

·         Check your email for the security code. The email should be received almost immediately – if you do not receive it in your inbox, check your junk/spam folder. Once you’ve located the security code, enter it and click “continue”.

·         If the security code is still valid, you will be presented with the PIN Change area. The PIN needs to be entered twice to ensure the same PIN is entered. Once the PIN is entered, select Change PIN.


If you are unable to change your PIN, please call us on 1300 139 224.


If you enter an incorrect PIN three times when making a transaction, the Card will be temporarily locked for 24 hours. Even if you contact us, we are unable to unlock your card during this time.