Smart helps over 180,000 employees across Australia enjoy more of their salary through salary packaging. Salary packaging is a simple, ATO-approved way to make your pay go further.
It lets you use some of your pre-tax salary to pay for everyday items and portable electronic devices you’re already paying for – meaning you could pay less tax and keep more of your income.
Make your pay go further with Monash Health benefits
Novated car leasing
Salary packaging a car lease can save you thousands of dollars a year and now with the electric vehicle discount making eligible EVs^ exempt from Fringe Benefit Tax (FBT), you can save even more. Use our calculator to check out your savings, or learn more about novated leasing an EV.
Additional superannuation contributions
When you salary package additional superannuation contributions, you could save on tax while building your future wealth.
Save on your next portable electronic device
You may be able to salary package multiple portable electronic devices – such as phones, tablets, and laptops each FBT year, if they’re used primarily for work purposes1. That means you could pay for essential tech before tax, helping your salary stretch further.
Financial and taxation advice
Want to save in other ways and increase your wealth? Save on the costs of professional advice that can help you achieve your goals.
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.
Smart is here to support you with any salary packaging questions you have
Explore our latest offers for Monash Health members
Win back your first year’s lease payments***
Order and take delivery of a new car on an eligible SmartTM novated lease between 1 September 2026 and 13 October 2026 for your chance to win. There are five prizes to be won!
Each winner will receive a cash prize of up to $12,708, paid after the first 12 months of their eligible novated lease. T&Cs and eligibility criteria apply.
Ready for a BYD EV? Save 5% now^^^
Save 5% on the base vehicle list price of eligible BYD EVs - ATTO 1, ATTO 2, Dolphin, SEAL and SEALION 7. Excludes the BYD ATTO 3 EVO. Ends 30 September 2026.^^^
T&Cs apply.
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.
Drive away. Then holiday.
You could earn 35,000 bonus Qantas Points when you take out a novated lease through SmartTM. A novated lease is one of the most tax-effective ways to buy and run a car. T&Cs apply.
Why Smart?
Award Winning
Our teams have been recognised for the way we add value for clients and customers and for our approach to business, with awards for service excellence, innovation and as an employer of choice.
We make it simple
We're Australia’s leading salary packaging provider. From benefit selection to account setup and maintenance, we can help.
You can count on us
We support over 490,000 employees from various industries and organisations across Australia, so they can enjoy more of their salary.
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
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.
^ 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.
1 Your Employer determines which portable electronic devices can be salary packaged. To find out which devices are available to you (and other important information your need to know about this benefit), visit smart.com.au/salary-packaging-benefits/portable-electronic-device and enter your employer in the field under ‘Can you package a portable electronic device?’. As per ATO guidelines, portable electronic devices must be used primarily for work purposes (over 50%) to be salary packaged, and you may need to have this verified by your Employer.
** 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.
*** 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.
^^^ 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.