The Living Expenses Card allows you to pay less tax by claiming living expenses using a pre-paid, reloadable Mastercard.

How does the card work?

You can nominate the amount of your salary you’d like to package toward everyday living expenses (up to the annual limit of $9,009). The amount you have nominated will be credited to your card pre-tax, in equal instalments, every time you get paid.

If you are a new customer, select a Living Expenses Card when completing your online application, or let your Customer Service Officer know when you’re applying.

If you are an existing customer call 1300 402 523 to have a card added to your salary package.

What can I use it for?

You can use the card to purchase goods and services at any outlet in Australia that has EFTPOS available, over the telephone or internet and at outlets overseas where Mastercard is accepted.

You can use it for everyday expenses such as:

• groceries
• petrol
• restaurant and café meals
• travel or booking a holiday
• gas, electricity and telephone bills
• council and water rates
• theatre and movie tickets
• clothes.

What can’t I use my card for?

You cannot use the card for the:

• Mortgage and personal loan repayments
• Credit card bill payments
• Withdrawing money from an ATM or when paying for items at an Electronic Banking Terminal
• Setting up recurring direct debit or direct credit payments
• Money transfers, money orders, cheques, etc, and
• Transactions relating to any form of gambling or gambling services.

Downloads

• Salary Packaging Card Application (PDF)
• Living Expenses Card Information Kit (PDF)
• Product Disclosure Statement (PDF)
• Financial Services Guide (PDF)
• Card management portal – card holder user guide (PDF)