Salary Packaging Card

EML Salary Packaging Mastercard®*

Swipe your EML Salary Packaging Mastercard®* to enjoy tax savings. Whether you're shopping for groceries or new clothes, eating out, booking travel or movie tickets, paying your bills or filling your car up - use your card save!

How can you benefit from Salary Packaging?

Making the most of your salary is easier than you think. Because you work in the Public Benevolent Institution sector, you can salary package a part of your income. 
 
Your employer benefits too - they provide you with tax-free benefits, without any administration costs normally associated with salary packaging!
 
Generally, your salary is paid to you after tax is withheld by your employer. But you could be using an EML Salary Packaging Mastercard to pay for expenses using a portion of your salary that hasn't been taxed - and less tax withheld means more money in your back pocket!

 

It works like this:

Step 1

You nominate how much money you'd like to allocate to your card tax-free each time you get paid. There is an annual limit on how much you can spend tax-free, so check with your employer to see what it is.

Step 2

Each pay period, that amount will be credited to your card without any tax being applied.

Step 3

The money will be immediately available for you to spend!

Step 4

You'll be sent a monthly card statement, listing all transactions on the card from the previous month.

What can you include?

You can use your EML Salary Packaging Mastercard to enjoy tax-free expenses anywhere Mastercard is accepted. Listed below are some of the things you can pay for.

women holding a gift bag smiling looking at the camera

General living expenses

  • Buy the weekly groceries
  • Fill your car with petrol
  • Pay your gas, electricity and telephone bills
  • Pay your council rates and water rates
  • Purchase theatre and movie tickets
  • Shop for clothes

 

A group of friends having lunch

Meal and entertainment expenses

  • Breakfast, lunch or dinner with friends or family at a restaurant/cafe
  • Drinks and food while on holidays at a resort or hotel
  • Taxi travel to a club or restaurant where you intend to eat and drink
  • Accommodation within Australia or overseas; including hotel or motel room, caravan park or bed-and-breakfast accommodation
  • Venue hire expenses; for example the hire of a private function room for a family celebration, like a wedding or birthday party


Subject to your employer's policy.

Ready to apply?

It's easy. Simply:

  1. Contact your employer or, if you work for NSW Health, contact your salary packaging provider to apply.
  2. Your employer will then set you up.
  3. You will receive an email to confirm your information and agree to T&Cs. 
Happy couple holding each other looking at their house

Exclusions

Please note you can't use the EML Salary Packaging Mastercard for:

  • Mortgage and personal loan repayments
  • Credit card bill payments
  • Withdrawing money from an ATM or when making EFTPOS transactions
  • Setting up recurring direct debit payments
  • Money transfers - either from another account to your card, or vice versa
  • Services such as mini-bar, room service, laundry, in-house movies, and waiter hire
  • Accommodation and venue hire expenses incurred while traveling for work-related purposes

Salary packaging card user guides

Online card management portal user guide

Mobile app user guide

Product Disclosure Statement (PDS)

Card verification user guide

Target Market Determination (TMD)

Instantly find out how much you could save.

Just answer 4 questions in our savings calculator.

Calculate my Savings

 

Disclaimer:
*The EML Salary Packaging Mastercard is also known as the PBI Benefit Solutions Salary Packaging and Meal Entertainment Mastercard as referred to in the PDS. See the PDS document for full Terms and Conditions.

The EML Salary Packaging Mastercard is a prepaid, reloadable Mastercard issued by EML Payment Solutions Limited ABN 30 131 436 532 AFSL 404131 pursuant to license by Mastercard Asia/Pacific Pte. Ltd. Consider if the card is right for you. Read the PDS for more information. Mastercard and the circles designs are registered trademarks of Mastercard International Incorporated.