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To help maximise your tax savings, including buying a car, call us on 1300 476 278.
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 1300 476 278.
October Webinars
We're running 30 minute interactive webinars dedicated for Defence members and their families in October, including six special webinars on boosting your super in conjunction with CommSuper.
Give your super a caffeine boost and win free coffee for a year
Set up a new salary packaging arrangement with Smart to make extra contributions to your super from your pre-tax salary during October, November, or December 2025 and go into a draw to win free Coffee4Heros coffee for a year!
Already salary packaging but want to add to your super? It’s easy, just log in to your account.
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.
October Webinars
We're running 30 minute interactive webinars dedicated for Defence members and their families in October, including six special webinars on boosting your super in conjunction with CommSuper.
Give your super a caffeine boost and win free coffee for a year
Set up a new salary packaging arrangement with Smart to make extra contributions to your super from your pre-tax salary during October, November, or December 2025 and go into a draw to win free Coffee4Heros coffee for a year!
Already salary packaging but want to add to your super? It’s easy, just log in to your account.
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.
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 1300 476 278.
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.
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.
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, 2023*
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, 2023*
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, 2023*
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.
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.
