Your eligibility to salary package the Everyday Purchases Card will depend on:

Your Everyday Purchases Card can be used worldwide as almost any merchant or supplier that accepts payment via Mastercard® credit card. For example, a supermarket or retails shop.

The savings and advantages you can achieve through salary packaging the Expense Payment Card will vary according to your employer’s FBT status, and your personal financial circumstances.

Click here to use our calculator to estimate your personal savings.

You can check your balance via any of the following methods:

You may request a secondary plastic Everyday Purchases Card for additional users (eg. spouse or partner). All additional cardholders must be at least 16 years old. Please note, an Additional Cardholder Fee of $2.50 per month per benefit will apply for each additional card. This fee will be included within your salary deductions and billed to your salary package on a per paycycle basis. To request an additional card, please contact Southgate on 1300 132 500.

You should refer to your employer's Salary Packaging Handbook for Employees to confirm any other fees that may apply for provision of the Everyday Purchases Card fringe benefit.

Please note, some merchants may impose a surcharge for paying via Mastercard. Also, additional fees or charges may apply to foreign currency transactions or purchases where the merchant is located outside of Australia (as outlined in the Product Disclosure Statement). Where applicable, such fees or charges will be deducted from your card balance along with the transaction value.

There is a $5,000 daily spending limit on your Everyday Purchases Card benefit. Transactions are also limited to your balance of available funds accrued on the card benefit at the time of the transaction.

Any unspent funds each paycycle will accrue towards your Everyday Purchases Card for future use, as and when you use the card for expense payments.

At the end of each FBT Year (31st March) any remaining funds in your card account are rolled over for use in the following FBT Year. Where any funds are rolled over into the new FBT Year, your regular salary deductions towards the Expense Payment Card will be reduced accordingly to take into account your remaining available FBT Concession Cap. FBT and Cap usage is calculated on your actual card expenditure each FBT Year.

If your Everyday Purchases Card or smartphone device (containing your digital card) is lost or stolen, you must immediately notify Southgate by calling 1300 132 500 (Monday to Friday 8.30am – 6.00pm AEST) at the earliest opportunity.

For after-hours assistance, please call the EML Card Support team on 1300 739 889 (available 24 hours/7 days) to request immediate cancellation of the existing card(s). In this event, you will still need to contact Southgate during business hours to arrange a replacement card to be issued, as EML cannot order a replacement on your behalf.