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Salary packaging card

The SmartTM Salary Packaging and Meal Entertainment Mastercard is a convenient way to pay.

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A simple way to pay for salary packaged expenses

A Smart Salary Packaging and Meal Entertainment Mastercard makes it easy to salary package meal entertainment and/or everyday living expenses. One convenient pre-paid card can be used for both benefits.1 Pay for things as you go using pre-loaded funds from your pre-tax income.

No need to keep receipts or submit claims
Pre-tax dollars always available to spend, anywhere in the world²
Online account balance updates immediately as you spend
Real-time access to detailed and accurate transaction history
Smart Salary Packaging Card
AO26 Competition
How it works
Digital pay
FAQs

All documents

1 document group

Important documents

Financial Services Guide (FSG)
Product Disclosure Statement (PDS)
Target Market Determination (TMD)

Important information

This is general information only. Before entering into any salary packaging or novated leasing arrangement, you should consider your objectives, financial situation and needs, and seek appropriate legal, financial or other professional advice based upon your own particular circumstances. The availability of benefits is determined by your employer. Conditions and fees apply. Smartsalary Pty Ltd, ABN 24 096 796 100, a Smart™ company. 


The Smart Salary Packaging and Meal Entertainment Card is a prepaid, reloadable Mastercard issued by EML Payment Solutions Limited ABN 30 131 436 532 AFSL 404131. Please consider if this product is right for you. Read the Product Disclosure Statement (PDS) and the Target Market Determination relating to this product before making any decision. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. 

  1. Additional fees may apply.

  2. Overseas transaction fees apply.

  3. Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone Mac, and Safari are trademarks of Apple Inc., registered in the U.S. and other countries.

 

^ The Smart Salary Packaging and Meal Entertainment Card is a prepaid, reloadable Mastercard issued by EML Payment Solutions Limited ABN 30 131 436 532 AFSL 404131. Consider if the card is right for you. Read the PDS and Target Market Determination for this product at https://www.smart.com.au/salary-packaging/salary-packaging-card/ for more information. Mastercard and the Mastercard brand mark are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.

*This competition is only available to Smart or AccessPay customers who are entitled to the meal and living expenses benefit and who are employed by eligible businesses (NSW Health employees are not eligible for this offer). To be eligible for the competition, individuals must apply for the salary packaging card between 27 October 2025 and 17 November 2025. Limit of one entry per person. Prize to be drawn at 12:00PM AEST on 19 November 2025 at Darling Park Tower 2, 201 Sussex Street, Sydney NSW 2000. For the full terms and conditions of this offer, please visit here.

**Additional card fees apply.