Everyday purchases

Choose to package the things you pay for every day

Salary packaging your living expenses is the easiest way to save as these are expenses you already have. You may not be able to include them all though, as there’s a limit to the amount you can salary package each Fringe Benefits Tax (FBT) year (1 April to 31 March).

  • If you work for a charity or Public Benevolent Institution (PBI) you can salary package up to $15,900 tax-free each FBT year
  • If you work for a public or private not-for-profit hospital, the annual salary packaging tax-free limit is $9,010
  • If you work for a rebatable employer you can salary package up to $15,900, and although you receive a rebate, you will have to pay some FBT

Regular payments

Your everyday purchases may be regular expenses for a fixed amount, such as your mortgage or rent, personal loan repayments and even school fees. If the amount you pay is the same each time, you can set up your salary packaging so we pay for these on your behalf from your salary packaging funds.

Claimed expenses

If you have regular expenses but the amount varies, or expenses that aren't paid regularly, you can still include these in your salary packaging. You make the payment and then claim a reimbursement so we can pay the money back to you from your pre-tax salary.

Supporting documents

To manage your salary packaging payments effectively, we need you to provide 'supporting documents' to help us set up your regular payments or make a payment back to you for money you have already spent. The supporting documents we need will vary based on the type of benefits included in your salary packaging arrangement.

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Salary packaging card

The easiest and most flexible way to salary package is to have your funds added to a card. Then simply pay for items such as groceries, bills, clothing and just about anything else, as you need them. The card is a pre-paid debit card and can be used overseas as well.

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