Meal Vouchers
₹200/meal (~₹1.05L/yr)
Eligible merchants
Restaurants, cafes, grocery
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Tax Saving Multi-benefits Card
One card Every tax-saving wallet
A single RBI-compliant PPI card powers 16+ tax-exempt wallets, meals and fuel, telecom and books, learning and gym, gifts and travel. Restructure CTC the easy way.
TRUSTED BY LEADING BRANDS
Indian IT Rules 2026
Every eligible wallet, mapped to the right section of the code
Both new-regime and old-regime opters are eligible, every wallet is a perquisite or allowance head, not a Chapter VI-A deduction. The card enforces each Section cap and MCC rule automatically.
New regime eligible? Yes, every row.
| Wallet | Exemption limit | Eligible merchants |
|---|---|---|
Meal Vouchers | ₹200/meal (~₹1.05L/yr) | Restaurants, cafes, grocery |
Gift Vouchers | ₹15,000 / year | Gift shops, dept. stores |
Telephone / Internet | Fully exempt | Telecom & utility bills (direct feed) |
Books & Periodicals | Fully exempt | Bookshops, newspapers, publishers |
Fuel & Car (<1.6L) | ₹5,000 + ₹3,000 perk value | Stations, fuel pumps, auto parts |
Fuel & Car (>1.6L) | ₹7,000 + ₹3,000 perk value | Stations, fuel pumps, auto parts |
Uniform / Attire | Fully exempt | Uniform retailers, apparel stores |
Health Club / Gym | Fully exempt | Sports clubs, health spas |
Company Gadgets | Simplified valuation | Croma, Reliance Digital, Apple |
WFH Setup | Fully exempt on actuals | IKEA, Pepperfry, Amazon (furniture / appliances) |
Learning and Development | Hiked via broader definitions | Udemy, Coursera, LinkedIn Learning |
OTT & Digital Subs | Exempt if professional | Netflix, Prime, Spotify, others |
LTA (Travel) | Air / rail fare (2 of 4 yrs) | Airlines, rail, travel agencies |
Conveyance Allowance | Fully exempt | Cabs, buses, metro |
Relocation / Transfer | Fully exempt | Movers, couriers, travel |
Commute & Mobility | ₹25K/mo (transport staff) | Ola, Uber, Metro, Fastag |
Gift Vouchers
₹15,000 / year
Eligible merchants
Gift shops, dept. stores
Telephone / Internet
Fully exempt
Eligible merchants
Telecom & utility bills (direct feed)
Books & Periodicals
Fully exempt
Eligible merchants
Bookshops, newspapers, publishers
Fuel & Car (<1.6L)
₹5,000 + ₹3,000 perk value
Eligible merchants
Stations, fuel pumps, auto parts
Fuel & Car (>1.6L)
₹7,000 + ₹3,000 perk value
Eligible merchants
Stations, fuel pumps, auto parts
Uniform / Attire
Fully exempt
Eligible merchants
Uniform retailers, apparel stores
Health Club / Gym
Fully exempt
Eligible merchants
Sports clubs, health spas
Company Gadgets
Simplified valuation
Eligible merchants
Croma, Reliance Digital, Apple
WFH Setup
Fully exempt on actuals
Eligible merchants
IKEA, Pepperfry, Amazon (furniture / appliances)
Learning and Development
Hiked via broader definitions
Eligible merchants
Udemy, Coursera, LinkedIn Learning
OTT & Digital Subs
Exempt if professional
Eligible merchants
Netflix, Prime, Spotify, others
LTA (Travel)
Air / rail fare (2 of 4 yrs)
Eligible merchants
Airlines, rail, travel agencies
Conveyance Allowance
Fully exempt
Eligible merchants
Cabs, buses, metro
Relocation / Transfer
Fully exempt
Eligible merchants
Movers, couriers, travel
Commute & Mobility
₹25K/mo (transport staff)
Eligible merchants
Ola, Uber, Metro, Fastag
Four numbers that explain the take-home lift
₹1.5L+
Extra take-home per employee
Per year, with no change in CTC, fully within Indian IT rules.
Up to 60%
Tax savings
Of restructurable CTC routed through tax-exempt wallets.
16+
Wallets on one card
Meals, fuel, books, telecom, learning, gym, LTA, gifts, all live.
100%
Compliance coverage
RBI-compliant PPI + automatic MCC and Section-cap enforcement.
Interactive tax calculatorDrag a slider → numbers update live
See your team's extra take-home, wallet by wallet
Drag the sliders to match how you intend to fund each wallet, then pick the slab that represents your largest employee cohort. Share the scenario with HR using the link below.
Wallet allocations
Annual, per employeeMeal vouchers
₹60K₹0₹1.05L
Fuel & car
₹36K₹0₹1.20L
Telephone / internet
₹24K₹0₹60K
Books & periodicals
₹18K₹0₹60K
Health club / gym
₹18K₹0₹60K
LTA (travel)
₹40K₹0₹1.00L
Learning and Development
₹36K₹0₹1.20L
WFH setup
₹24K₹0₹90K
One regulated stack
RBI-compliant PPI. Managed from the Empuls app
Every wallet on the card runs on a single regulated rail, so finance, audit, and the regulator look at one settlement, one ledger, and one secure flow.
RBI-compliant PPIPrepaid Payment Instrument · Issuer authorised
Powered by the Master/VISA network
Every wallet, compliant by default.
Issued under an RBI-authorised PPI license, every wallet on the card is compliant out of the box.
Runs on the Master/VISA payment network, contactless tap-to-pay, magstripe, chip-and-PIN, and NCMC-ready transit support.
No third-party app to install, no separate login, no extra password, fully managed from the Empuls portal and mobile app.
PCI-DSS scopedPA-DSS alignedKYC-checkedEmployer-funded only
In the Empuls app
Managed entirely from the Empuls app.
No vendor app to install. Employees view card details, lock the card, raise disputes, and read the transaction feed, all without leaving Empuls.
Card details
PAN · CVV · expiry, revealed after biometric.
Lock card
Freeze and unfreeze in a single tap.
Transactions
Live feed by wallet, merchant, and MCC.
One card, every doorway
RFID-enabled, works seamlessly with your HRMS and access-control system
Embed RFID on the same card and replace the meal coupon, the gift voucher, the fuel card, and the building access fob. One card, one ID-management lifecycle, one audit trail.
EntryAttendanceFloor accessCafeteriaVisitor pass
Issue one card. Replace four.
Office entry & exit
Tap-to-access at building turnstiles, reception, and parking gates.
Plugs in via · RFID handshake with most enterprise access-control systems.
Attendance & shifts
In/out swipes flow straight into the HRMS attendance log.
Plugs in via · 25+ HRMS connectors out-of-the-box (SAP, Workday, Darwinbox, Keka, Zoho).
Floor / zone access
Per-employee badge rules at zone-level readers.
Plugs in via · Role-based access, picks rules from the HRMS role/grade field.
Cafeteria & vending
Cashless cafeteria, snack stations, vending machines.
Plugs in via · Closed-loop wallet or PPI rails, your choice per location.
Visitor / contractor pass
Short-lived RFID with auto-expiry on the configured end-date.
Plugs in via · Issued in two clicks from the Empuls Admin Portal.
Replacement-card volume drops 70%+ when the access fob and the perk card consolidate.
03Chapter · Beyond tax savings
Run any benefit wallet on the same card
The Multi-benefits Card is not just a tax instrument. Run it as a corporate wallet system for milestone rewards, festival gifts, project bonuses, custom wellness budgets, each wallet, its own rule set.
MCC-locked
Meals
₹200 / meal · auto-load
Recurring
Fuel
₹3K / mo · per Rule 3(1)
Expire-on-date
Gifts
₹15K / yr · expires Mar 31
Open
Festival
Open spend · burst load
Roll-over
Wellness
₹2K / mo · rolls over
5 wallets · 1 settlement
MCC-restricted wallets
Lock spend to specific merchant categories, fuel-only, gym-only, books-only, for tax-eligible perks.
Open wallets
Spend-anywhere wallets for milestone rewards, festival gifts, project bonuses, and discretionary perks.
Recurring auto-load
Schedule monthly, quarterly, or annual top-ups per wallet, per employee, per cohort, no manual loading.
Carry-forward & expiry
Per-wallet rules: perpetual carry, partial rollover, end-of-year sweep, or hard expiry on a date you set.
Per-employee top-up
One-off bonuses for marriage, baby, project, or relocation, fund any wallet from the admin console.
Real-time spend tracking
Live transaction feed by wallet, employee, location, and merchant, built for finance and audit.
Same card. Many wallets. Many rule sets. One reconciliation.
FAQs
Frequently asked questions
Yes. Every wallet on the card maps to a perquisite or allowance head, not a Chapter VI-A deduction. New-regime opters get the same tax benefit as old-regime opters. The card enforces the right MCC and the right cap automatically, in the background.