Smart is Australia’s leading salary packaging and novated leasing provider, helping employees across Australia stretch their salary and make the most of their workplace benefits. Salary packaging is an ATO-approved benefit that lets eligible employees pay for certain expenses using pre-tax salary.
That could mean paying less tax and keeping more of your income for the things that matter most to you.
What is a novated lease?
Novated leasing is a way to package your salary so you can pay for a car using your pretax income. One simple deduction each payday takes care of your lease and all the usual running costs such as fuel, servicing, insurance and more.
Novated leases are available on a wide range of vehicles, including new, used or electric cars.
Explore latest deals
BMW iX1
2026 xDrive30 M-Sport U11
$604 per fortnight*
Chery E5
MY26 Ultimate FWD Single Speed
$347 per fortnight*
Kia Sportage
MY27 GT-Line Hybrid AWD 1.6L T/P
$690 per fortnight*
Explore our latest offers, available for ACT Government employees
Smart Sell
Sell your car at a good price, save time and make a smooth transition into your new car, with our complimentary service, Smart SellTM.
Smart Sell
Sell your car at a good price, save time and make a smooth transition into your new car, with our complimentary service, Smart SellTM.
Smart is here to support you with any salary packaging questions you have
Smartrewards gives you even more ways to save
As a Smart™ customer, you get access to a range of additional rewards on top of the benefits you salary package. These include discounts on some of Australia’s leading brands and access to our financial wellness partners’ services, all at no extra cost.
Important Information
* 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 November 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.
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.
*** 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 SmartTM 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, 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 26/02014.1 and SA Permit Number T26/1526.