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For Employees


Point of Sale merchant payments Yes
Merchant Internet Payments Yes
By phone direct to merchant Yes
POST billpay Yes
BPay Yes
(Whenever you are asked by a merchant to select an account, you should select "CREDIT".)


No. Cash withdrawals are electronically barred.


The Employee Benefits Card (EBC™) is a Credit Card that operates on a pre-paid basis and limits expenditure to the funds available.

As a cardholder you are primarily liable for amounts spent on the card.

The following steps summarise how the EBC™ is established and operates.

  1. Your employer establishes an EBC facility with Westpac which enables employees to apply for an EBC™ under a salary sacrifice agreement entered into with the employer.
  2. Employees apply for an EBC™ card.
  3. An agreed salary sacrifice amount is transferred each pay cycle by the employer through the electronic banking system to the employee’s EBC™ account.
  4. The employee uses the EBC™ to pay for expenses. Expenditure amounts are limited to the available funds established by the salary sacrifice transfers. Funds in the account are only accessible through incurring expenses on the Card and no cash advances are available.
  5. Each month cardholders receive a statement of amounts spent and the balance of the account is discharged with the salary sacrifice funds available. Any remaining funds available each month are carried forward and added to subsequent salary sacrifice transfers.
  6. On termination of a card, including termination of employment, the EBC™ is cancelled.

The Employee Benefits Card is a MasterCard or Visa card that has been purpose designed for use in Public and Not-for-profit Hospitals, Aged Care, Charities and Not-for-profit employers who qualify as a Public Benevolent Institution (PBI).


The card allows employees to access tax free expense payment fringe benefits and eliminates the need to keep paperwork and reimbursements. You can spend your money immediately it is deposited on to the card.


Like any MasterCard or Visa card it can be used anywhere in the world to pay for everyday expenses, where MasterCard or Visa card is accepted.

However, unlike other MasterCard or Visa cards, the EBC™ provides no credit and cannot be used to draw cash advances or to establish direct debits.

Fees and charges apply, contact your HR department for details.