NT Health Salary Packaging Living Expenses Card

Instant Savings Calculator

Did you know that as an employee of NT Health, you may be eligible to salary package up to $9,010 of your gross annual salary for everyday items, bills, travel and more?

In addition, you may be able to package a further $2,650 for your holiday accommodation, dining out, or on food, drinks or venue hire for an upcoming event.

Instantly calculate how much the NT Health Benefit can affect your take home pay after using a Salary Packaging Expense Card, with the option of a Meal and Entertainment Card as an extra benefit.

The process is simple! Just provide a few details and calculate your savings, then submit your enquiry to us and we will take care of the rest!

I earn $ per annum.

I want to package Utilise full cap or specifiy amount $ towards a Salary Packaging Expense Card

Your Potential Benefit is . . .


Per week


Per year

Your Weekly Savings Summary

The NT Health Benefit will put more money in your pocket each pay cycle.
This is how much more you will take home each week after paying any of the NT Health benefit items listed above.




EXTRA $0.00


Start Saving Money

Simply submit a few details below and one of our friendly staff will contact you. We will take care of the rest!


Ready to proceed with our simple transition process?


Living Expenses Card

Your Living Expenses Card covers most purchases that are made for you and your family’s everyday needs.

For example:

  • Insurances (Home, Life, Car, Health)
  • Groceries
  • Electricity/Gas bills
  • Phone/internet
  • Travel
  • Airline tickets
  • School fees and much more…

Meal and Entertainment Card

For those that love to dine out, socialise, host events and holiday, this is the card and the package for you.

Dining Out

Your Meal Entertainment Card allows you to dine out with a partner, friends or family (including drinks) and pay with pre-tax dollars. Available at most cafes, restaurants, bars, bistros, and hotels.

Special Events

Any special occasions on the horizon? Food, drinks, and even venue hire charges for events such as birthdays, engagements, weddings, and Christmas parties can also be packaged.

Holiday Accommodation

Planning a holiday is now even better, as your holiday accommodation can be packaged through your Meal Entertainment benefit, including trips overseas!

Living Expenses Card FAQs

What is a Salary Packaging Living Expenses Card?

MyCardPlus is a living expenses card that SPA has partnered with which allows employees to easily pay for various items under their applicable Fringe Benefits Tax cap. This is used similarly to a normal debit card but using pre-tax dollars! This is a simple and easy way for employees to pay for their salary packaged items.

What are considered living expenses?

Living expenses are everyday expenses that are incurred by you or your family such as electricity and phone bills, council rates, groceries, household expenses, clothing and shoes, and private travel (domestic and overseas).

How do I make payments from my Salary Packaging Expenses Card?

You can use your card with Visa PayWave, or insert the chip and pay using your PIN. You can also use it when paying third parties and to do so, simply use your 16 digit card number to make the transaction.

NB: No other funds can be transferred to your salary packaging cards, other than those predetermined and agreed upon by your Salary Packaging Administrator and your payroll officers.

Does my balance need to be zero at the end of the FBT year?

It is recommended that you have zero balance at the end of the FBT year (March 31). This means that you are eligible to salary package the full benefit amount in the following year. Please contact SPA for further details. MyCardPlus can also assist you in spending remaining funds on your card.

How do I check my balance?

You can access your general living expenses by accessing internet banking.

Where can I use my Salary Packaging Expenses Card?

The SPEC can be used at any grocery store, restaurant, electronics store, florist, you name it! As long as the expenses remain within the allocated amount, spend away!

Can I use it online?

Yes! You can use it for online purchases in any capacity.

Is there a minimum spend per transaction?

No. You can use the card for as little or as much as you want. The card will be subject to EFTPOS minimums if enforced at particular stores or restaurants.

What will happen when/if I leave my job?

From the date of your termination, you will have a certain period of days to spend the funds on your card.

Meal and Entertainment Card FAQs

What is a meal and entertainment card?

Meal and entertainment cards are available to employers that qualify as not-for-profit (an entity set up for the benefit of members, e.g. a trade union) or a Public Benevolent Institution (charity for tax purposes, e.g. Royal flying doctor service).

How much can an employee save each year?

In actual dollar terms, the employee can package $2650 per annum. This can be spent on meals, accommodation and function hire using pre-tax dollars. Any employee of a qualified employer can access the meal and entertainment card.

So it’s an actual legal benefit offered to employees and is approved by the ATO?

Yes. There are rules around how much can be used, who qualifies to use the card and most importantly rigid ATO reporting requirements, but if your employer’s status qualifies for this approved tax benefit then the employees can access the tax savings.

Why would an employer choose to offer this benefit to staff?

Being able to provide $2650 of an employee’s salary in a tax-free method means the employee is financially better off. At a 30% tax rate, the tax saving is $795. Salary Packaging Australia can provide this benefit to employers at no cost.

Who else can use this benefit? Is it all just about dining out or can I use it in other ways?

The card can be used for:

  • Venue hire
    • Events such as 21st birthdays or engagements fall within the definition.
  • Holiday accommodation
    • From a five-star resort to a caravan park, almost anything satisfies the accommodation rule
    • That ship cruise you always wanted to go on.
  • Meals
    • Café, restaurant or hotel satisfy the criteria
  • Food and Beverages
    • Consumed at special occasions such as weddings and birthdays also satisfies the criteria.
  • Family and Friends
    • They can be included in the above expenditure

But as we know with any tax legislation the rules must be followed, therefore you cannot include:

  • Takeaway food or bottle shop purchases
  • Regular groceries
  • Hiring outside of meal and venue hire e.g. an Elvis impersonator
  • Movies or musicals
  • Flights to and from your five-star resort.

Does this mean that my annual holiday just got cheaper? Could I use it to go overseas or is it for domestic travel only?

Yes, your annual holiday can be paid in tax-free dollars. You can use the benefit overseas but be mindful of any additional costs due to currency exchange.

Is this too good to be true?

The meal and entertainment benefit accrues to employers that either have a not for profit status or qualify as a charitable organisation. Due to these classifications, the tax system allows the employer to add value and incentive to their employee’s wages. This adding value is achieved by using the Fringe Benefits Tax legislation. The reality is that the tax system allows it and therefore the employee is within their rights to exercise the benefit.

What about my HECS and HELP repayments?

The $2650 benefit is reportable. This means that a reportable fringe benefit will appear on your group certificate in the amount of $5000. You will not pay tax on this $5000 but it will increase your assessable income. This may impact on your repayment of the debt. We suggest you contact your financial advisor for advice where required.

Do I need to keep receipts?

Yes, if you are hosting an event. You will need to keep a record of the event and the attendees. This is just like claiming a deduction with your tax return. It is expected that you would have receipts. If you wish to use the SPA money management tool you will be reminded that the expense is of a meal and entertainment nature immediately and you can lodge a photo of the receipt electronically to satisfy ATO requirements.


MyCardPlus is the convenient and efficient solution for utilising your Salary Packaging payments.  Salary Packaging allows employees to pay for certain expenses with pre-tax dollars from their salary, meaning they could significantly lower their taxable income and increase take-home pay.

Read the MyCardPlus FAQ’s

For more info visit mycardplus.com.au

Ready to proceed with our simple transition process?


* This calculator contains general information and does not necessarily take all of your personal circumstances into account. Salary Packaging Australia encourages you to seek professional, independent tax or financial advice and to consider whether this information is right for you before making a decision. The availability of any packaging benefit is subject to your employer’s approval and compliance with the Australian Income Tax Assessment Act (1997). The Australian Taxation Office can provide advice on compliance.