> ## Documentation Index
> Fetch the complete documentation index at: https://help-empuls.xoxoday.com/llms.txt
> Use this file to discover all available pages before exploring further.
# Multi benefits card
> Run India tax-saving benefit programs with the Empuls Multi-Benefit Card: fund one wallet, add beneficiaries, allocate across categories, and track utilization under the w.e.f. 1 April 2026 income-tax limits.
Tax-saving benefits are financial benefits you offer employees to maximise their savings by reducing taxable income based on local government regulations. By spending eligible amounts through the Empuls Multi-Benefit Card, employees lower the income subject to taxation, reducing their tax liability and increasing take-home pay.
You can help employees maximise savings by offering tax-saving allowances like books and periodicals, plus reimbursements for meals, telephone, and fuel expenses. Under the income-tax limits w\.e.f. 1 April 2026, the card unlocks over **₹1.93 lakh of tax-free spending per employee each year** across meals, fuel, telecom, and books, translating to roughly **₹60,000+ in annual tax savings at the 30% slab**.
Contact [cs@xoxoday.com](mailto:cs@xoxoday.com) to enable the Multi-Benefit Card for your organization.
## Empuls Multi-Benefit Card
The Empuls Multi-Benefit Card simplifies employee tax benefits with a single card covering allowances for books, meals, fuel, telecom, and more. It streamlines your team's tax-saving efforts by replacing traditional methods like food coupons and fuel cards. You load tax-free benefits electronically, and employees spend them online or in-store using virtual and physical RuPay cards.
## Why Empuls Multi-Benefit Card
Activate individual employee wallets in minutes. Zero waiting period once KYC is approved, with full tax compliance built in.
Tax-free funds are accessible through a virtual card for online spend and a physical RuPay card for in-store and at-pump purchases.
Live utilization reports on the admin dashboard, with 100% digital onboarding and spend tracking for both employees and the organization.
Employees access the digital card, view balances, and review transactions on iOS and Android.
## Activating the Multi-Benefit Card
You can activate the program in less than 10 minutes.
Log in to your Empuls account and customise the flexible benefits program by selecting from 20+ categories such as meals, travel, fuel, fitness, books, and telecom.
Activate and recharge the card with allocated funds to enable the employee benefits program. Specify prepaid card rules, per-category limits, and the card design tailored to your employees' needs.
Distribute the Multi-Benefit Card to your employees. Manage prepaid cards by tracking detailed metrics, including payroll, activation, usage, and financial reports for comprehensive oversight.
## Categories on a single card
| Allowance | Used for | Example merchants |
| --------------------------- | ----------------------------------------------------------------------------------------------- | ----------------------------------- |
| **Meal allowance** | Dining expenses, groceries, food delivery via meal gift vouchers | Swiggy, Zomato, Zepto, Domino's |
| **Fuel allowance** | Work-related fuel costs and driver salary reimbursement | HP, Indian Oil, Bharat Petroleum |
| **Books & periodicals** | Books, journals, and learning platforms to keep employees up-to-date with industry advancements | Online learning vendors, bookstores |
| **Telecom allowance** | Mobile and broadband bills | Airtel, Jio, BSNL, ACT |
| **Leave Travel Assistance** | Eligible travel under LTA rules | Per bills uploaded |
| **Reimbursement** | Eligible work expenses with proof | Per your policy |
| **Miscellaneous** | Catch-all for other configured benefits | Per your policy |
## What changed w\.e.f. 1 April 2026
India's updated income-tax rules significantly raised the tax-free ceilings on several benefit categories. Plan allocations to take advantage of the new limits.
| Benefit category | Before | w\.e.f. 1 April 2026 | Annual impact |
| ----------------------------------------- | ---------------- | -------------------- | --------------------------------------------------------------- |
| Gift cards & vouchers | ₹5,000/year | ₹15,000/year | 3× higher tax-free gifting |
| Meal vouchers | ₹50/meal | ₹200/meal | Up to \~₹1.05 lakh/year (2 meals × 22 working days × 12 months) |
| Children education allowance (old regime) | ₹100/month/child | ₹3,000/month/child | ₹36,000/year per child |
| Hostel allowance (old regime) | ₹300/month/child | ₹9,000/month/child | ₹1.08 lakh/year per child |
### Win-win opportunity
**For employees**
* Higher take-home value through tax-efficient rewards and daily benefits.
* More meaningful recognition with bigger gifting moments and no tax dilution.
* Increased disposable income from meal and allowance benefits.
**For employers**
* No extra cost: deliver higher value within the same compensation budget.
* Optimised pay structure to maximise employee take-home value.
* Competitive edge in talent attraction and retention.
### How Xoxoday helps you capture this opportunity
**1. Rewards & recognition (₹15,000 gift exemption)**
* Scale recognition programs: spot awards, peer-to-peer recognition, and performance incentives.
* Automate festive gifting: schedule Diwali, Holi, and New Year gifts once and auto-distribute.
* Celebrate milestones: birthdays, work anniversaries, and onboarding gifts triggered via workflows.
* 10,000+ reward options across gift cards, experiences, travel vouchers, and merchandise.
* Compliance-ready reporting with automatic audit trails and tax reports.
**2. Benefits & perks (up to ₹1.05 lakh in meal benefits plus other allowances)**
* Multi-wallet benefits infrastructure for meal, fuel, telecom, books, education, and hostel allowances on one platform.
* Meal benefits at scale: ₹200/meal tax-free via Swiggy, Zomato, and restaurants.
* Separate tracking so tax-deductible allowances are managed independently from gift card limits.
* Flexible redemption: employees choose where and when to use their benefits.
* Real-time compliance with auto-calculated tax exemptions and spend limits.
## Before you start
* You must be a **Super Admin** to access the Tax Benefit dashboard.
* This feature is available to organizations with employees in India and a configured benefits provider partnership with Xoxoday.
* Beneficiaries receive a payment card. KYC must be completed by each beneficiary before transactions are accepted.
## How it works
Money is added to a single org-level account via Indian bank transfer (IMPS, NEFT, or RTGS). The available balance is split across benefit categories when you allocate funds.
Pick employees in bulk by uploading a CSV or by filtering on department, designation, grade, location, business unit, or cost center. Empuls validates each row, surfaces errors in a downloadable report, and issues a card to every successful beneficiary.
Upload a CSV that lists the amount each beneficiary should receive per category. Empuls validates the file, shows warnings and invalid rows, and disburses funds in a background job.
Track org-level totals (allocated, utilized, unused), per-employee balances across categories, and per-category spend including declined transactions with reasons.
## Dashboard overview
The Tax Benefit dashboard is your starting point. It shows:
* **Organization account balance**: total funds held in the org wallet and the amount currently available for allocation, in INR.
* **Action buttons**: **Allocate fund** opens the allocation wizard; **+ Add funds** displays bank-transfer details for topping up; the popover next to the balance links to the **Account statement**.
* **Summary cards**: Total Allocated, Total Utilized, Employee Unused Balance, and Beneficiaries. Each card navigates to the corresponding detail page.
* **Category cards**: one card per active benefit category showing unused balance, so you can see at a glance where money is sitting.
## Add funds to the organization wallet
On the Tax Benefit dashboard, click **+ Add funds** next to the account balance. A modal opens with the Xoxoday HDFC bank account details: account holder, account number, IFSC code, and bank name.
Use the **copy** icon next to each field to grab the values for your finance team.
Send funds from your corporate bank account using IMPS, NEFT, or RTGS, following the transfer rules listed in the modal. Funds typically reflect in the org wallet within one business day depending on the transfer mode.
Funds added to the organization wallet are non-refundable once allocated to beneficiaries. Confirm category caps with your finance team before allocating.
## Add beneficiaries
The Add Beneficiary wizard is a three-step, full-screen flow.
From the **Beneficiaries** page, click **+ Add beneficiary**.
You can pick one of two methods:
**Paste data (filter-based)** — Build a condition by picking from department, designation, grade, location, business unit, cost center, or individual users. The picker supports multi-select search so you can mix several criteria into one rule.
**Upload CSV** — Download the sample CSV, fill in employee identifiers, and upload the file. Empuls validates each row.
Empuls runs validation as a background job. You'll see:
* **Success count**: rows ready to add as beneficiaries.
* **Error count**: rows that failed validation, with a downloadable error report so you can fix and re-upload.
Click **Confirm** to enroll the validated beneficiaries. A progress bar tracks the submission; the final screen shows how many beneficiaries were added successfully.
{/* TODO: screenshot of Add Beneficiary wizard — validation screen with success/error counts */}
Each beneficiary's card status starts at **KYC Pending**. The beneficiary must complete KYC with the card provider before the card becomes **Active** and can be used for transactions.
## Allocate funds to beneficiaries
The Allocate Funds wizard is also a three-step flow.
On the dashboard, click **Allocate fund**.
The wizard shows the current available balance. Download the sample template, fill in beneficiary email, benefit category, and amount per row, then upload the file. Empuls validates the file type and size before accepting it.
Empuls validates each row in the background. The summary shows:
* **Success**: rows ready to disburse.
* **Warning**: rows that disburse with caveats (for example, partial allocation due to insufficient category cap).
* **Invalid**: rows that fail (unknown email, disabled user, invalid category). Download the corrected file to fix and re-upload.
Click **Confirm** to submit the allocation. A progress bar tracks disbursement. The final summary shows:
* **Users recognized**: beneficiaries who received funds.
* **User accounts disabled**: skipped because the user is no longer active.
* **Failed**: allocations that couldn't be completed, with a downloadable failure report.
{/* TODO: screenshot of Allocate Funds wizard — confirmation summary */}
Background jobs poll every 5 seconds and time out after 15 minutes. If you close the browser, the wizard remembers the in-progress job via the URL and can resume.
## Reporting and statements
| Page | What it shows |
| --------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Account statement** | Every credit and debit on the org wallet with transaction ID, date, credit, debit, and running balance. Filter by date range. |
| **Total allocated** | Every allocation transaction: receiver, allocation ID, benefit category, date, amount. |
| **Total utilized** | Every spend transaction by employees, scoped to the same columns as Total allocated. |
| **Employee unused balance** | Per-employee balance across all categories (Meals, Fuel, Travel, Telecom, Books, Reimbursement, Miscellaneous) with the first column pinned for scrolling. |
| **Category details** | Drill into a single category to see allocations, spend transactions, monthly spend, and a sub-page of declined transactions with decline reasons. |
| **Beneficiary details** | Per-employee profile with Overview (totals + per-category cards) and Transactions (credit/debit history, search, and date filter). |
{/* TODO: screenshot of Beneficiary Details page — Overview tab */}
## Limits and gotchas
* Amounts are stored and displayed in INR using the Indian numbering system (lakhs and crores).
* Card issuance and KYC are handled by the card provider, not Empuls. Failed KYC blocks card activation but does not block beneficiary creation.
* Declined transactions show a decline reason (insufficient balance, blocked merchant category, etc.) on the **Transaction decline** sub-page within Category details.
* Tax benefits is independent of reward points and the redemption wallet. It cannot be funded from or paid out to those balances.
## Related
Manage your Empuls subscription and view invoices.
The separate wallet that funds reward redemptions.
Add employees who can be enrolled as beneficiaries.