NT Health Living Expenses & Meal and Entertainment Cards
There are some real benefits to working for NT Health. You may be eligible to salary package your everyday living expenses such as bills, travel, holiday accommodation, dining out, venue hire and more with your pre-tax salary, which in turn increases the amount you take home each pay day.
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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.
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).
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.
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.
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 Government Health Department) or a Public Benevolent Institution (charity for tax purposes, e.g. Royal flying doctor service).
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.
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.
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.
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.
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.
Salary Packaging with SPA’s Debit Cards Fact Sheet
* 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.