This is general information only. Before entering into any salary packaging or novated leasing arrangement, you should consider your objectives, financial situation and needs, and seek appropriate legal, financial or other professional advice based upon your own particular circumstances. The availability of benefits is determined by your employer. Conditions and fees apply. Smartsalary Pty Ltd, ABN 24 096 796 100, a Smart^TM company. 

* 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., (4) lease term: 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 accurate as of August 2026 and may be subject to change.

^ 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.

^^ This is a novated lease offer. The offer set out in this campaign is provided by BYD Australia Pty Ltd ABN 82 166 009 687 (BYD Automotive). The fulfilment of all conditions of this offer will be directly between BYD Automotive and the customer. Smart™ accepts no liability for any dispute between the customer and BYD Automotive in relation to their participation in this offer. For full terms and conditions refer to https://bydautomotive.com.au/offers. This offer is available exclusively to retail customers who (1) order a new in-stock BYD ATTO 1 (all variants), BYD ATTO 2 (all variants), BYD Dolphin (all variants), BYD Seal (all variants), BYD SEALION 7 (all variants), on a novated lease between 1 September 2026 and 30 September 2026 and take delivery of that vehicle by 31 October 2026; This offer excludes: BYD ATTO 3 EVO, Fleet customers, government, rental purchases, demonstrator or service loan vehicles, any transactions involving additional promotional offers or discounts. Eligibility for this offer is not confirmed until the vehicle has been delivered. BYD Automotive cannot guarantee delivery within the promotional period. If you have ordered your vehicle directly through BYD Automotive, a BYD Automotive Product Specialist will contact you to confirm your allocation and eligibility. If you have ordered your vehicle through Smart, we will contact you to confirm such allocation and eligibility. Discount is applied to the base vehicle list price on the BYD website. Discount excludes Registration, CTP, Stamp Duty, dealer delivery and statutory charges (on-road costs). Metallic paint is available at an additional cost. Offer cannot be combined with other BYD offers or discounts.

^^^ Terms & Conditions apply, for full details visit smart.com.au/cash-bonanza-tcs. Promotion period begins on 01.09.2026 at 00:01am AEST and ends on 13.10.2026 at 11:59pm AEDT. Joint promoters are: Smartsalary Pty Limited, a Smart^TM company, AccessPay Pty Ltd, Smartsalary Pty Limited trading as Smartleasing, and Autopia Management Pty Ltd. The prize pool is shared among the four named joint promoters. This means, for example, that an eligible entrant who is a customer of Smartsalary will be competing for five (5) prizes with all other eligible entrants, who may be customers of any other of the joint promoters. Open to Australian residents 18+. Entrants will be eligible to enter the draw when they order and take delivery of a new vehicle through Smart, Autopia or Smartleasing on a 5-year lease term, obtain vehicle finance for that vehicle through a Smart, Autopia or Smartleasing preferred financier, and receive confirmation from Smart, Autopia or Smartleasing (as applicable) that the novated lease has settled during the Promotion Period. One entry per eligible novated lease vehicle. Eligible entrants who satisfy the eligibility criteria and have their novated lease settled during the Promotion Period will receive an email within seven (7) business days of settlement containing a link to opt in to the draw. The opt-in process must be completed by 30 October 2026. Winners will be selected during the competition prize draw which will take place on 04 November 2026 at 3:00pm AEDT. The shared prize pool consists of five (5) prizes, with each prize consisting of one (1) single payment of up to $12,708 AUD per winner, and payable after the first 12 months of the winner's eligible novated lease, subject to the winner remaining an eligible novated lease participant and verification of eligibility. Winners will be notified by email within seven (7) business days of prize draw. NSW Trade Authority TP/01464 and NSW Notification Number NTP/17871, ACT Permit Number TP 26/02014 and SA Permit Number T26/1526.  

¹ A portable electronic device can only be salary packaged if it is used primarily (over 50%) for work purposes. Self-education or professional education does not count towards work use.

** This offer commenced 1 May 2026 and is only available to those whose employers allow them to finance a car through Smart. Smart may withdraw, change or remove this offer at any time. To be eligible for 35,000 bonus Qantas Points, individuals must do the following: (1) submit the ‘Get a Quote’ form on https://www.smart.com.au/p/qantas-points/; (2) order a new vehicle through Smart; and (3) obtain finance for that vehicle through Smart. Individuals must be a Qantas Frequent Flyer member at the time of vehicle order and link their account as prompted by Smart. For the full terms and conditions of this offer please visit here.

Smart may receive commission and/or administrative fees from Finspo, (as the case may be), in respect of any transactions that result from the referral. The personal meeting mortgage health check is offered by Lab35 Pty Ltd trading as Finspo, Australian Credit Licence Number 521120. Any personal information provided to Finspo as part of the Mortgage Health Check will be held, stored and used in accordance with the Finspo Privacy Policy: finspo.com.au/privacy-policy. Finspo may also share details about you, including your personal information, with Smart and you agree to Smart’s Privacy Collection Statement, Privacy Policy and Smart contacting you about its services.