FAQ’s: Payment Cards


1. When can I expect my new card(s)?

Once your application has been processed, the request will be made to deliver your card directly to your home address within 7-10 business days.


2. When will I receive my PIN?

Your PIN will be sent to you first, followed by your card. Once you have both, you can activate your card.


3. How do I activate my card(s)?

On receiving both your PIN and your card, you can activate your card in the following ways:

  • Internet Banking – Login to your MyCardPlus-Beyond Bank Internet banking MyCardPlus.beyondbank.com.au using your Internet Banking Passcode. Select ‘Card Services’ > ‘Activate Card’.
  • Visit a Beyond Bank branch. (You will need photo ID or Telephone Banking Passcode)
  • Call the Beyond Bank Member Contact Centre on 13 25 85 (Telephone Banking Passcode Required)

4. How do I change my PIN?

You can ONLY change your PIN once you have activated the card, and ONLY the cardholder can change the PIN.


You can change the PIN in the following ways:

  • Internet Banking – Login to your MyCardPlus-Beyond Bank Internet banking MyCardPlus.beyondbank.com.au, ‘Services’ > Card Management
  • Visit a Beyond Bank branch (Your card and photo ID will be required)

5. What happens if I forget my PIN?

The cardholder can request a new PIN via the following:

  • Internet Banking – Login to your MyCardPlus-Beyond Bank Internet banking MyCardPlus.beyondbank.com.au ‘Service’ > ‘Card Management’
  • Call the Beyond Bank Customer Member Contact Centre on 13 25 85 and request a new PIN to be posted to you. (Telephone Banking Passcode required)
  • Visit a Beyond Bank branch (Your card and photo ID will be required)

6. What happens if I enter my PIN incorrectly 3 times?

If you enter your pin incorrectly 3 times, your card will become inactive for 24 hours. You may still use the card for PayWave.


7. How do I make payments from my Salary Packaging Card?

When making a payment to a third party, use your 16-digit card number to make the transaction. For any issues with making payments via this method, contact Customer Support on 13 25 85.


When making a purchase, ONLY select the ‘Credit’ option or use Visa PayWave.


8. What is Visa PayWave?

Visa PayWave is the easy, secure and convenient contactless payment method. The cards have a tiny antenna embedded into the chip, which allows you to tap and pay without the need for typing in a PIN.


9. Why is my transaction being declined?

There are several reason why your card may be declined:

  • Insufficient funds
  • You have not activated your card
  • The merchant channel has been blocked as it is not approved by your salary packaging provider
  • The merchant has not been categorised correctly by their bank
  • You are selecting the ‘SAV’ or ‘CHQ’ option rather than the ‘CR’ option

10. Can I transfer money from my other accounts to my Salary Packaging Cards?

No other funds can be transferred to your salary packaging cards, other than those predetermined and agreed upon by your Salary Packaging Administrator and your payroll officers.


11. What happens if my card has been lost or stolen?

You must notify Beyond Bank immediately once you notice that your card is missing. This can be done by:

  • Calling the Visa Card 24 hour toll free hotline on 1800 648 027 (within Australia), or +61 2 8299 9101 (overseas)
  • Calling Customer Member Contact Centre on 13 25 85 (within Australia) or +61 8 8205 8888. Your membership number is printed on the front of your card.

You can also update your card status to Lost or Stolen via your internet banking. Login to your MyCardPlus-Beyond Bank Internet banking MyCardPlus.beyondbank.com.au Select ‘Card Services’ > ‘Update Card Status’.

Contact your Salary Packaging Administrator to advise of the lost or stolen card.


12. What do I do if I believe there is fraudulent activity on my card?

Beyond Bank are governed by the “Visa International Operating Regulations”. If there has been a charge for goods or services that have not been authorised by you, it is fraud.


You will need to complete a Visa Transaction Dispute Form available from a branch or by calling the Customer Member Contact Centre on 13 25 85.


13. When can I contact the Beyond Bank Customer Member Contact Centre?

8am to 8pm (CST) weekdays

9am to 3pm (CST) on Saturdays

(All States – excluding Public Holidays)

You can contact the Member Contact Centre on 13 25 85.

If outside these hours, for lost cards, call Visa Card 24 hour toll free hotline on 1800 648 027 (within Australia), or +61 2 8299 9101 (overseas)


14. What support does the Beyond Bank Member Contact Centre provide?

Member Contact Centre consultants can assist with the following:

The Beyond Bank Member Contact Centre number is 13 25 85.


15. Can I use an Internet Banking Service?

Yes, you can by logging into MyCardPlus.beyondbank.com.au

You can find help and assistance with Internet Banking by calling Beyond Bank on 13 25 85 or to reset your paassword.


FAQ’s: Meal Entertainment Benefit


1. Can I use my MyCardPlus Living Expenses card to pay for my meals?

Please check with your Salary Packaging Administrator.


2. Who can I use the card on?

You can use the card to purchase meals and/or drinks for your family and/or friends. The card can also be used for accommodation and venue hire where you were present and utilising the benefit. Please check with your Salary Packaging Administrator any additional rules regarding expenditure on this card.


3. Can I use the Meal Entertainment Card overseas?

Yes. Currency exchange fees may apply as an additional cost. Overseas transactions fees may apply, please discuss these with your Salary Packaging Administrator before use overseas.


4. How do I check my balance?

You can access your meal and entertainment expenses by acesssing internet banking. MyCardPlus.beyondbank.com.au


5. Can I get an additional card for my partner?

Yes, you may request up to two additional (secondary) cards for family members. The secondary card transactions will be included in your overall annual purchases. Please contact your Salary Packaging Administrator to request the additional cards.


6. If I leave my organisation, what happens?

From the date of your termination, you will have a period of days to spend the funds on your card. Please discuss with your Salary Packaging Administrator or Employer regarding the time period and conditions.


7. How do I verify my claims?

You do not need to verify your claims. That’s the benefit of using your Meal Entertainment Card! You may need to keep your receipts, please contact your Salary Packaging Administrator to confirm.


8. Do I need a card to take advantage of this benefit?

Yes. You will need to have a card to make these purchases.


9. Do I need to keep my receipts?

You will need to keep receipts if you are catering for/organising a special event. You will need to keep a record of the event and the attendees. This is required by the ATO if they decide to carry out an audit. You can access your entire transaction history via your Beyond Bank Internet Banking service. Please contact your Salary Packaging Administrator to confirm.


10. Does my card balance need to be zero at the end of the FBT year?

It is recommended that you have zero balance at the end of the FBT year (March 31). This means that you are eligible to salary package the full benefit amount in the following year, please speak to your Salary Packaging Administrator for further details. MyCardPlus can also assist you in spending remaining funds on your card.

11. Can I change the amount I allocate to my card?

Yes, you can change the amount, and there is no limit as to how many times you can change the amount, unless your Salary Packaging Administrator itself enforces a limit. Please contact your Salary Packaging Administrator regarding all salary deductions.


12. Can I change the amount I allocate to my card?

Yes, you can change the amount, and there is no limit as to how many times you can change the amount, unless your Salary Packaging Administrator itself enforces a limit.


When a change is requested, your Salary Packaging Administrator will liaise with your payroll officers to action these amendments subject to the employer assessments and approvals.


FAQ’s: Living Expenses Benefit


1. Who can package Living Expenses?

If you work for a public hospital, PBI charity or rebatable organisation and your employer is eligible to offer salary packaging as an employee benefit, you can request to salary package using a Living Expense and/or Meal Entertainment card through MyCardPlus.

If you are unsure of your eligibility, we advise to check with your employer about your employee benefits available.


The Australian Tax Office (ATO) provides a capped amount for your living expenses each FBT year. Please contact your Salary Packaging Administrator regarding capped amounts.

2. What are living expenses?

These are the everyday expenses that are incurred by you or your family, such as:

  • Electricity, phone, water bills
  • Council rates
  • Groceries
  • Household expenses
  • Clothing, shoes
  • Haircuts
  • Private travel (domestic and overseas)

3. How does the Living Expenses Card work?

You will determine the amount of pre-tax dollars that you would like to allocated from your salary each pay period. These funds will then be transferred to your living expenses card for you to begin making purchases up to your balance amount.


4. How do I Salary Package Living Expenses?

You will first need to check with your employer as to whether they offer the Living Expenses benefit and that they use MyCardPlus as an official salary packaging card provider. Regarding how much you can package, please contact your Salary Packaging Administrator for information.


5. Where can I use the Living Expenses card?

The Living Expenses card can be used for payments at all national and international VISA accepting locations.

You are responsible for the appropriate use of your card and any additional cards related to your account. Overseas transactions fees may apply, please discuss these with your Salary Packaging Administrator before use overseas.


6. Do I need to keep my receipts for purchases on the Living Expenses Card?

MyCardPlus does not require you to keep receipts for purchases on your living expenses card. However, you may want to keep them for your own records.


7. When will I receive my card?

Once your online application has been processed, the request will be made to deliver your card directly to your home address. You will receive a PIN letter first and a few days later you will receive your new card. Please allow up to 7-10 business days from the receipt of your application to delivery date.


8. How do I check my Living Expenses card balance?

You can access your living expenses by accessing internet banking. MyCardPlus.beyondbank.com.au


9. What happens if my Living Expenses Card is declined?

There are several reason why your card may be declined:

  • Insufficient funds
  • You have not activated your card
  • The merchant channel has been blocked as it is not approved by your salary packaging provider
  • The merchant has not been categorised correctly by their bank
  • You are selecting the ‘SAV’ or ‘CHQ’ option rather than the ‘CR’ option

If your card is declined, you will need to choose a different method of payment. That particular purchase will not be eligible for a reimbursement claim.


10. Can I get an additional card for my partner?

Yes, you may request up to two additional (secondary) cards for family members. The secondary card transactions will be included in your overall annual purchases. Please contact your Salary Packaging Administrator to request the additional cards.