New extended call centre hours, just for you
If you need help with your salary packaging:
- Call us on 1800 667 190 Monday to Friday, 8am–10pm (AEDT)
- Chat with us online 24/7.
Unlock more value from your Defence benefits
Join a Smart webinar designed for Defence members and their families. Learn how salary packaging could help you maximise your benefits, explore potential tax savings, and get more from your pay. Hear from our specialists, ask questions and discover opportunities that could make your pay go further.
All things Smart, all in one place
Check how much money you have available, review your transaction history, and track claims - all from the app. With clear, up-to-date salary packaging details, everything is easy to find whenever you need it.
We're here for you
As the exclusive salary packaging provider for the Department of Defence, we’re proud to support ADF members and their families every step of the way.
Whether you're looking into salary packaging (otherwise known as salary sacrifice) or exploring a novated lease, we’re here to help you make the most of your pay. Speak to our expert team on 1800 667 190.
Smart support on‑base across Australia
Smart visits Defence bases nationwide, offering personalised support and clear guidance on salary packaging. Book a one‑on‑one, join a presentation, or simply come and chat with us to learn how to get more from your pay.
Explore our latest offers, available for Australian Defence Force members
Donation Benefit
Support Defence charities by making regular donations from your pre-tax salary. Your contribution helps current and former serving personnel, their families and reduces your taxable income.
Boost your savings by salary packaging with an extra 5% discount off Harvey Norman
Enjoy an extra 5% off work phones, laptops, and tablets in-store at Harvey Norman.# Plus, by salary packaging the cost of your device you could also save on tax !##
Your employer decides which devices can be packaged for work use.^^
Donation Benefit
Support Defence charities by making regular donations from your pre-tax salary. Your contribution helps current and former serving personnel, their families and reduces your taxable income.
Boost your savings by salary packaging with an extra 5% discount off Harvey Norman
Enjoy an extra 5% off work phones, laptops, and tablets in-store at Harvey Norman.# Plus, by salary packaging the cost of your device you could also save on tax !##
Your employer decides which devices can be packaged for work use.^^
Important update: salary packaging of work-related expenses is changing
Laptops, tablets, mobile phones and other work-related expenses will no longer be eligible for salary packaging from 1 April 2027.
Learn what's changing and explore your options before the changes take effect.
Explore available benefits for the Australian Defence Force
Novated car leasing
Salary packaging a car lease could save you thousands of dollars a year and now with the electric vehicle discount making eligible EVs^ exempt from Fringe Benefit Tax (FBT), you could save even more. Use our calculator to check out your savings, or call us on 1800 667 190.
Salary package your next portable electronic device
Defence members can salary package multiple portable electronic devices each FBT year, when the device is used primarily for work. Choose to salary package laptop, tablet, mobile or smartwatch. Important: Changes will affect this benefit from 1 April 2027. Learn more.
Additional superannuation contributions
When you salary package additional superannuation contributions, you could save on tax while building your future wealth.
Airline lounge benefits
Airline lounge membership makes work and travel easier and more enjoyable, and employees could salary package the cost.
Testimonials from Australian Defence Force members
Peace of mind
"Smart’s novated lease brings peace of mind, simplifying finances for my family during ADF deployments, with its cost-effective and hassle-free approach.”
- Timothy, Smart customer~
Freedom and flexibility
“As a serving member, the freedom and flexibility to know that everything from registration, fuel and insurance is taken care of; particularly during periods when I’m away.”
- Gary, Smart customer~
New car joy
“The ability to experience the luxuries of life and the adventures a new car brings in an affordable and easy way!”
- Jack, Smart customer~
Smart is here to support you with any salary packaging questions you might have
Smartrewards is now for everyone
We’re excited to announce that all employees can now access Smartrewards - Smart’s exclusive benefits program - whether you salary package with SmartTM or not^^^.
Enjoy discounts on eGift cards from top brands, savings on eStore products, free CommSec trades, Qantas Points with eligible leases, and wellbeing content.
If you already have salary packaging with Smart, log in to your account and select Smartrewards on the dashboard. If you are not with Smart, you can register for Smartrewards here.
Smart supports
We’re deeply grateful for your service, and proud to support the Defence community — including veteran employment and the incredible work of the Defence charities we stand behind.
Defence FAQs
Important Information
#Discount does not include Microsoft Surface Pro or Apple products.
##Tax savings achieved through salary packaging will depend on your income tax bracket and personal circumstances.
^^As per ATO guidelines, portable electronic devices must be used primarily for work purposes (over 50%) to be salary packaged. Generally, you can salary package one portable electronic device every FBT year (1 April–31 March), however, depending on your employer’s policy, multiple devices may be allowed. Visit smart.com.au/salary-packaging-benefits/portable-electronic-device/ and enter the name of your employer for full terms and conditions and eligibility.
* Fortnightly price is based on the following assumptions: (1) living in NSW 2000, (2) salary: $100,000 gross p.a., (3) travelling 15,000 kms p.a., (4a) lease term for BMW iX1: 4-years, (4b) lease term for all other vehicles: 5-years, and (5) salary sacrifice using Employee Contribution Method (ECM) and FBT Exempt Method for Electric Car Discount eligible EVs. Images shown may not be the exact car that the calculations have been based on. All figures quoted include budgets for finance, charging and/or fuel, servicing, tyres, maintenance, Vero by Suncorp comprehensive motor insurance, Hydro Platinum Pack and re-registration over the period of the lease. Vehicle residual, as set by Australian Taxation Office, is payable at the end of lease term. The exact residual amount will be specified in your vehicle quote. Figures are indicative only and based on quotes obtained by Smart from its dealership network in October 2026.
^ Fringe Benefits Tax (FBT) exemption available for eligible electric or hydrogen cell vehicles purchased through a novated lease up to the Luxury Car Tax limit ($91,661 in FY 2026-27). See the Australian Taxation Office website for full eligibility criteria.
~Testimonial provided by customer in response to Smart's 'Defence Christmas giveaway' 2023 competition where customers were invited to tell us in 25 words or less what they love most about their novated lease with us for the chance to win a prize.
^^^ Smartrewards Terms and Conditions apply, visit
https://account.smartsalary.com.au/smartrewards-terms-conditions. The participating retailers are subject to change. For the full list of participating retailers log in to your online account at smart.com.au and access Smartrewards.
Smart recommends that before entering into any salary packaging arrangement, you should consider your objectives, financial situation and needs, and obtain appropriate legal, financial or other professional advice based upon your own particular circumstances.