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