Your eligibility to salary package the Meal & Accommodation Card will depend on:

Your Meal & Accommodation Card can be used worldwide at any qualified dining venue, accommodation facility or function centre that accepts Mastercard® credit card, for the payment of eligible meal and accommodation/venue hire expenses.

You can salary package up to $2,650 in real dollars per FBT Year (equal to $5,000 Grossed Up Value) towards the Meal & Accommodation Card. This is based on new legislated capping limits on the combined expenditure towards meal entertainment and accommodation/venue hire expenses.

On a per paycycle basis, the $2,650 limit per FBT year equates to:

The savings and advantages you can achieve through salary packaging the Meal & Accommodation 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.

The Meal & Accommodation Card is subject to its own separate cap limit per FBT Year and therefore it will NOT contribute towards your standard $30,000 or $17,000 Concession Cap (ie. the limit of fringe benefits that you can salary package with your FBT concession). The separate cap limit applicable to the Meal & Accommodation Card allows you to achieve increased tax savings where you have already used your entire FBT Concession Cap towards other salary packaged fringe benefits.

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

You may request a secondary plastic Meal & Accommodation 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 Meal & Accommodation 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.

Any unspent funds each paycycle will accrue towards your Meal & Accommodation Card for future use, as and when you use the card for eligible meal entertainment expenses.

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 Meal & Accommodation Card will continue at the usual deduction amount.

If your Meal & Accommodation 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.