Salary packaging for Department of Defence

#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.

** This offer 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 30,000 bonus Qantas Points, individuals must do the following between 1 April 2026 and 30 April 2026: (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.

* Price and estimated tax savings based on the following assumptions: (1) living in NSW 2000, (2) salary: $90,000 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 based on quotes obtained by Smart in March 2026 from its dealership network 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 ($91,387 in FY 2025-26). See the Australian Taxation Office website for full eligibility criteria.

*** Employees must be eligible for salary packaging in accordance with the Department of Defence policies. Department of Defence employees must enter into new salary packaging arrangements with Smartsalary Pty Ltd (Smartsalary) trading as SmartTM during the period of 1 April 2026 to 30 April 2026 (Campaign Period). Employees must have made their first salary packaging deduction during the Campaign Period. Employees must not have previously entered into a salary packaging arrangement outside of the Campaign Period with Smartsalary or Smartleasing whilst employed by the Department of Defence. 

~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 smartsalary.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.