Paying using apple pay

Salary Packaging and Meal Entertainment Card

Salary Packaging Card

Keep your salary packaging flexible with a Smartsalary Salary Packaging and Meal Entertainment card.1 Providing instant access to your salary packaging funds, you’ll never be out of pocket, you just pay as you go. It’s a 2-in-1 card, so if you’re salary packaging both living expenses and meal entertainment, they’ll be combined on the same card, meaning you only need to carry one card in your wallet.

Advantages of using the card

No need to submit claims or receipts
Spend your pre-tax dollars anywhere, any time
Account balance updated immediately as you spend, with detailed, accurate, and up-to-date transaction history available via your online account or the Smartsalary app
Accepted around the world (overseas transaction fees apply)
The card's tap & go® enabled to give you greater convenience when making your purchases
Women with glasses smiling looking at her laptop

How it works

Just decide the amount to add to the card each pay and this will be deducted from your pre-tax salary. Once the funds are added to your card you can use it wherever you see the Mastercard® sign.

If you're packaging both Living Expenses and Meal Entertainment, there’s no need to select different accounts when you use your card to make sure the correct funds are used. The merchant and transaction details will automatically trigger the funds to use.

Girl with glasses smiling looking at her phone

How to start packaging the card

If you’re not already a Smartsalary customer, click 'Apply Now'. This will allow you to sign up for salary packaging and the card online.

If you're already packaging, make sure you're logged in to your online account. Click 'Add benefit' under the card and follow the prompts.

Want to know more about the Smartsalary Card?

The easier and safer way to pay

You can now enjoy all the benefits of your Smartsalary card with Apple Pay and Google Pay. It’s simple and works with the devices you use every day. Your card information is secure because it isn’t stored on your device or shared when you pay. Paying in stores, in selected apps and on participating websites has never been easier, safer or more private.

Paying using apple pay

Apple Pay

Apple Pay is the easier, safer way to pay in stores, in selected apps and on participating websites with your iPhone, Apple Watch, iPad and Mac.2 You can quickly check out using the devices you carry every day.

Paying on eftpos using google pay

Google Pay

If you have an Android phone it’s easy to add your card to Google Pay. Once you’ve completed the set up process, you’ll be able to use Google Pay where contactless payments are available, or where the Google Pay logo appears online.

Smartsalary Card Important Documents

Before applying for a Smartsalary Salary Packaging and/or Meal Entertainment Card we strongly suggest reviewing the following documents:

Product Disclosure Statement


View document
Financial Services Guide


View document
Target Market Determination


View document


Important information:
The Smartsalary Salary Packaging and Meal Entertainment Card is a prepaid, reloadable Mastercard issued by EML Payment Solutions Limited ABN 30 131 436 532 AFSL 404131. Please consider if this product is right for you. Read the PDS for more information. Mastercard and the Mastercard brand mark are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.

1Additional fees may apply.

2Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone Mac, and Safari are trademarks of Apple Inc., registered in the U.S. and other countries.