What would you do with a 6-12% increase in your take-home pay?

Could you pay off your mortgage earlier? Would you finally upgrade your car, or even your TV? Or could you just breathe easier knowing you have extra money for life’s emergencies?

If your employer offers salary packaging through CBB and you’re ready to get started, you can book a sign-up appointment with a member of our team. Otherwise, keep reading to find out more about the benefits of salary packaging with CBB.

Presented by CBB’s SA State Relationship Manager Mark Gauci, this video provides a short overview of salary packaging. Find out how it boosts your take-home pay, makes it easier to manage everyday expenses, and gives you access to some amazing benefits.

Book a sign-up appointment

Client testimonials

How much extra take home pay will you get?

Employees of eligible not for profits can salary package a maximum of $15,899 tax free each FBT year. Your exact additional take home pay will depend on your annual salary. This table shows the indicative financial benefits for different salaries; you can also use our salary packaging calculator.

Please note that we provide a tailored and highly detailed analysis of your benefit at your sign-up appointment.

Table showing the amounts you'll take home if you salary package

What can I spend my money on?

Your salary packaged funds can be used to take care of regular payments such as: mortgage and rent payments, personal loan repayments, and even bills and utilities. Any routine payment that can be paid electronically (and you have acceptable proof of debt for) can usually be set up through CBB.

You can also choose to load your funds onto a CBB Salary Packaging Card, which can be used to pay for groceries, petrol, and other household goods with tax free dollars. Just imagine how much money you could save on everyday essentials.

Green outline icons of a house, car, credit cards and shopping trolley

Want to know how it all works?

Our friendly salary packaging team take care of the process for you, leaving you free to enjoy the benefits. Here’s how we make it happen:

  1. Your payroll team sends your tax-free income to CBB.
  2. You let us know which regular payments you would like us to pay with your tax-free income. Alternatively, you can have us put it straight on a CBB Salary Packaging Card for use wherever Visa is accepted.
  3. You only pay tax on what’s left of your income. Because you pay less tax, you end up with more take home pay. Between 6-12% more, to be exact!

The diagram below shows how it works – or you can watch this short video.


There’s more to salary packaging

Group of 4 young people eating pizza at a restaurant

Fund your lifestyle with tax-free dollars

Meal Entertainment and Holiday Accommodation Card

The ATO-approved CBB Meal Entertainment and Holiday Accommodation Card allows you to salary package meals, accommodation expenses and venue hire using tax-free dollars. This provides you with an additional $2,650 tax free per year, saving you even more on tax.

Use your CBB Meal Entertainment and Holiday Accommodation Card in Australia and overseas to pay for:

  • Dining out at restaurants, cafés and hotels.
  • Food and beverages for special occasions, such as birthdays, engagements, weddings and anniversaries.
  • Holiday accommodation such as luxury resorts, apartments, hotels, motels, budget cabins, on-site caravans, and even cruises.
  • Venue hire for events.

Download our Meal Entertainment and Holiday Accommodation brochure

An incentive for living and working remotely

Remote Area Benefit

Remote Area Benefit is a tax concession from the Australian Federal Government which allows eligible employees to claim up to 50% of certain expenses associated with living and working in a remote location, as well as some travel costs. This benefit is on top of the standard salary packaging benefit that employees of Public Benevolent Institutions (PBIs) receive.

To be eligible for Remote Area Benefit you must:

  • live in and work for an organisation defined by the ATO as a remote area;
  • be renting or paying the mortgage on the property in which you live in the remote area.

Download the Remote Area Benefit brochure

Woman accepting keys for a car

Buy your next vehicle with tax-free dollars

Novated leasing

Want to pay for your new car with tax-free dollars?

If you are considering a new or late model car, a novated lease could save you thousands in acquisition and running costs. This benefit is in addition to your standard salary packaging amount, enabling you to save even more tax each year!

What is a novated lease?

A novated lease is a three-way agreement between an employer, an employee and a vehicle leasing company whereby the employer deducts recurring payments from the employee’s gross salary. These payments are made with pre-tax dollars, helping you save a substantial amount on the vehicle costs. Better yet, you can package your total running costs to save even more.

Importantly, novated leasing allows you to salary package the car of your choice- you can select the make, model and colour that you want.

Download our Novated leasing brochure


Additional benefits and rewards

Employees that salary package with CBB can access money-saving rewards, memberships, and discounts.