January 2020

New provider of Meal Entertainment and Living Expenses Card services


EML Payment Solutions Limited (EML) has been engaged as NSW Health’s new provider for Meal Entertainment Card and Living Expenses Card (formerly known as Employee Benefits Card) Services.


If you have a Westpac Meal Entertainment Card (MEC) or Employee Benefits Card (EBC) it is important that you read the below information.


A new EML Card account will be created for all current Westpac MEC and EBC cardholders. Once this bulk upload is complete, each employee will receive a verification email from EML to confirm that you would like to receive a NSW Health branded Mastercard Card and that your details transitioned are correct. It is crucial that you follow the instructions outlined in the email to verify your details via EML’s Customer Management Portal (CMP). If you do not take any action, the EML account will not be activated and you will not receive a card for the new FBT year. 


You can continue to use your existing MEC and/or EBC for salary packaging up to 15 March 2020. On 16 March 2020 your MEC and/or EBC will be deactivated in order to finalise all pending transactions by the end of the Fringe Benefits Tax year on 31 March 2020.


Any remaining funds on the Westpac MEC or EBC and the appropriate share of tax savings will be returned to employees via payroll. PAYG withholding will be deducted where required.

More information including answers to FAQs is available here. You can also access the EML Cardholder User Guide here.


Contact for more information

PBI Solutions (support for EML cardholders)

1300 139 224

Submitted by Leanne Findlay on behalf of NSW Health

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