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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 . . .

$0.00

Per week

$0.00

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.

WITHOUT
Packaging

$0.00

WITH
Packaging

EXTRA $0.00

$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!

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Ready to proceed with our simple transition process?

START YOUR ONLINE APPLICATION

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…

MyCardPlus

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

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!

FAQs

What is a meal and entertainment card?

Meal and entertainment cards are Australian tax office salary packaging available to employers 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 fortnight or 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 employees and is approved by the ato

Yes.
There are rules around how much can be used, who can qualify to use the card and most importantly rigid ATO reporting requirements. But if your employers 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

To be 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 this be used as benefit, is it all just about meals out and dining or can I use it in other ways

the card can be used for;

  • venue hire
    • events such as 21stbirthdays or engagements fall within the definition.
  • Holiday accommodation
    • from a five-star resort to a caravan park satisfies the accommodation rule
    • that ship cruise you always wanted to go on.
  • Meals
    • Café, restaurant or hotel is 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 suddenly 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 it sound 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 employees 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.

Ready to proceed with our simple transition process?

START YOUR ONLINE APPLICATION

* 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.