Freedom with Salary Packaging.

Beyond Bank Salary Packaging

Our CBB salary packaging cards remain one of the simplest and most beneficial ways you can save on tax as you don’t need to wait for reimbursements or collate and retain receipts.  Giving you the flexibility of spending your funds when and how you want, without worrying about the paper trail.

We offer a choice of two salary packaging cards:

Salary Packaging card.

A salary packaging card (living expenses card) allows an individual to use pre-tax income for purchases associated with everyday living such as groceries, clothes, fuel or pay for expenses like utility bills. The Class Ruling for this product has been approved and published by the ATO (CR 2016/18).

Meal and Entertainment card.

A meal entertainment card allows an individual to use pre-tax income for purchases associated with food and entertainment such as dine-in meals at bistros, cafes, hotels and restaurants and pay for holiday accommodation in Australia and overseas. The Class Ruling for this product has been approved and published by the ATO (CR 2016/85).

We make salary packaging easy for employees to enjoy the benefits of tax-free shopping.

Features:

  • Easy to use hassle-free applications
  • No need to submit claims or receipts

  • Make purchases anywhere in the world where VISA is accepted

  • Access to balances and transaction history via Internet Banking or our Mobile App. Set push notifications on your Mobile App to let you know when your pay has been deposited

  • Simply Tap & Go with contactless technology (PIN may be required depending on the transaction amount).

Important rates, fees and charges.

Monthly fee per card $3.50
TEXT ME! Fee $0.26¹
International Transaction Fee² 3% of transaction value
Replacement fee for lost, stolen, captured or damaged card $10.00
Interest rate N/A

View our Fees and Charges Guide for the full details of other transaction and service fees that may apply.

How to apply.

The first step is to contact your salary packaging provider, Community Business Bureau (CBB). Once you have completed your paperwork with them and indicated your interest in having a salary packaging card, they will provide you a link to your Beyond Bank salary packaging card application.

Who can apply?

The card is for personal use by employees who work for an eligible employer under Sections 57A and 65J of the Fringe Benefits Tax Assessment Act 1986. These sections grant eligibility to the following employer organisations:

 

  • Public Benevolent Institutions (charities, etc)
  • Hospitals, Nursing Homes, Government Departments, etc
  • Rebatable Non-for-Profit Organisations.

Tap. Pay. Done. All with your mobile wallet.

Making purchases with your Salary Packaging card is now even easier. Load your card details to your phone or other compatible devices to make fast and easy transactions, almost anywhere you shop.

Salary Packaging FAQs.

1 TEXT ME! Fees are not inclusive of 2nd factor secure SMS authentication messages. For more details, view our Fees and Charges Guide.

2 This fee is payable when you use your Visa Credit Card, Visa Debit Card, Visa Prepaid Card or rediCARD to make a transaction:

  • In a foreign currency when using your card either online or at a merchant point of sale (irrespective of where the transaction occurs); and/or
  • In Australian dollars, when either the merchant or its financial institution/payment processor is located or registered overseas, including transactions that involve dynamic currency conversion where a transaction denominated in a foreign currency is converted to local currency.

(This fee will be collected by Cuscal, with 1.0% payable to us, 1.0% is retained by Cuscal and 1.0% is paid to Visa International). Some overseas Merchants may allow you to pay in Australian dollars, for example, when you make a purchase online or over the phone. This is still considered an international transaction as the transaction is processed overseas and will attract any International Transaction Fee.

Salary Packaging terms and conditions.

 

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