Apollo Care
Employee Benefits
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You don't need a pay rise
to take home more pay.
Did you know?
Three things people get wrong about salary packaging.
Your employer provides the benefit. We make it work.
It's not a loophole.
Salary packaging has been part of Australian tax law since 1986. It exists so not-for-profits like Apollo Care can offer their people more without a bigger wages budget. Apollo Care has chosen to make it available to you.
You don't need to be a high earner.
It works on expenses you already have — rent or mortgage, groceries, bills. If you pay income tax, packaging puts some of it back in your pocket.
You don't have to work more to take home more.
Salary packaging isn't extra salary. It lowers the amount of your pay that gets taxed — same job, same hours, same salary. Just less tax, and more of it reaching your bank account.
We're here to make it easy.
Apollo Care has partnered with National Salary Packaging (NSP) to help you make the most of the benefits available to you.
From your first question to setting up your benefits and ongoing support, we take care of the admin and explain everything in plain English.
Not sure where to start? Start with our Welcome Video
In just a few minutes, we'll explain how salary packaging works, what benefits are available to you as an Apollo Care employee, and what you need to do to get started.
More take-home pay without a pay rise
Instead of getting paid, paying tax, then spending what's left - salary packaging lets you spend a portion of your income before tax is calculated.
Estimated savings are based on · $70,000 · Fortnightly pay
Indicative estimates only · Not financial advice · ATO 2026–27 tax tables · Medicare Levy Surcharge not included
$228
Additional per fortnight
$78k
Equivalent salary
10.4%
Take-home boost
Without packaging
With packaging
Have a study loan? Read this first.
If you have a HECS-HELP or other study loan, the ATO works out your compulsory repayment using your taxable income plus the value of the benefits you package. That means packaging can increase your repayment — and the tax your employer normally takes out won't cover it. That's how people end up with an unexpected bill at tax time.
Estimate your repayment using the ATO's free calculator, or ask your accountant or financial adviser about your situation.
Tell your payroll team how much extra to withhold from each pay.
This is general information only and not financial or tax advice. Repayment thresholds and rates change each year — always check the current figures with the ATO.
Everything available
to Apollo Care employees.
Pre-tax living & entertainment
Everyday Living
Package rent, mortgage repayments, credit card payments, or load your EML Visa card for groceries and everyday spend - all from pre-tax income.
Meal & Entertainment
Dine out, attend events, go to the theatre or enjoy a round of golf - all paid from pre-tax salary. Stacks on top of your living cap.
Vehicle benefits
Novated Lease
Drive any car you choose - repayments and running costs all packaged pre-tax through a three-way arrangement with your employer.
Electric Vehicle
Eligible electric vehicles may qualify for a complete FBT exemption - one of the most tax-effective benefits available.
Other benefits
Portable Devices
Laptops, tablets and phones used primarily for work are an exempt benefit - no FBT applies. One device per FBT year.
Personal Loans
Eligible NFP employees may be able to package personal loan repayments through their everyday living cap - reducing taxable income.
Associate Lease
If a family associate owns a vehicle, it may be eligible for an Associate Lease arrangement, allowing certain lease and running costs to be salary packaged in a tax-effective way.
Exclusive BYD fleet pricing. Available year-round.
Your BYD. Your Fleet Price.
We use our national fleet buying power to secure rates for our clients that can be lower than retail - giving you more value from your novated lease.
Exclusive fleet pricing
Available year-round
National buying power
Eligible BYD models
Disclaimer: Fleet pricing is available on selected BYD models and variants and is subject to availability and change without notice. Pricing may vary depending on the vehicle, specifications, delivery timing and applicable fleet terms. Ask us for current pricing and eligibility.
Getting started is easy
We handle all the paperwork. You just enjoy the savings.
BOOK A SESSION
Schedule a one-on-one with our team to explore which benefits suit your situation - free, no obligation.
WE HANDLE SETUP
We liaise with your employer's payroll team and prepare all agreements. You sign once, we do the rest.
ENJOY THE SAVINGS
Pre-tax deductions start from your next pay cycle. We're available year-round for any questions.
Frequently Asked Questions
Got questions about salary packaging? We've answered the most common ones below.
Still have questions?
Book a free discovery sessionNational Salary Packaging · 1300 882 578 · Mon–Fri 9am–5pm AEST
Hi, Apollo Care employee! 👋
Ask me anything about your salary packaging benefits - I'm here to help.
General information only · Not financial advice
Common questions
General information only · Not financial advice
⚠️ Important Disclaimer
The information provided on this page is general in nature and does not take into account your personal financial circumstances. Salary packaging benefits are subject to eligibility, individual employment conditions, and Australian Taxation Office (ATO) guidelines.
We recommend seeking independent financial advice, such as from a qualified accountant or financial advisor, before making decisions regarding salary packaging.
All examples and figures are estimates only and may change depending on your specific situation, income level, and applicable tax rates. Terms, conditions, fees, and charges may apply.
If you have a HECS/HELP debt or receive government benefits, please inform our team during your Discovery Session.
National Salary Packaging ABN: 80 110 261 768