NSP Digital Mastercard
To support transparency and compliance with Australian financial services regulations, we provide the following disclosure documents for all users of the NSP Digital Mastercard, issued by EML Payment Solutions Limited (ABN 30 131 436 532, AFSL 404131).
These documents are important and should be reviewed carefully before using the card.
Financial Services Guide (FSG)
This document outlines the financial services provided by National Salary Packaging as an Authorised Representative of EML. It includes details about:
- •Who we are and how we're authorised
- •The nature of advice we can provide
- •How we are paid
- •How we handle complaints and protect your privacy
Product Disclosure Statement (PDS)
The PDS provides detailed information about the NSP Digital Mastercard, including:
- •Product features, benefits, and risks
- •Fees and charges
- •Terms and conditions of use
- •Taxation and compliance considerations
It is essential you read this document to understand how the card operates and to decide whether it is suitable for your salary packaging arrangement.
Download the PDS (PDF)Target Market Determination (TMD)
The TMD outlines the class of consumers for whom the NSP Digital Mastercard is designed, ensuring compliance with Design and Distribution Obligations (DDO) under the Corporations Act 2001. It includes:
- •The target market description
- •Product suitability and distribution conditions
- •Review triggers and reporting obligations
Important Notes
- •National Salary Packaging does not provide personal financial advice. All advice is of a general nature only.
- •EML is the issuer of the NSP Digital Mastercard and is responsible for all financial services related to the product.
- •Use of the card must comply with relevant ATO salary packaging guidelines and restrictions.
Questions about these documents or your eligibility?