A smarter way to save is already yours.
Your employer has already made Smartrewards available to you. It's free to join, so activate today and start saving on everyday spending.
Everyday savings, all in one place
Access savings across groceries, shopping, dining, fuel, travel and more through Smartrewards. It's free to join.
Save on the things you use every day
Smartrewards helps make your money go further with savings on everyday spending.
Groceries & essentials
Save on weekly shops, household staples and everyday necessities.
Shopping & technology
Pick up savings on everything from tech upgrades to retail favourites.
Dining & entertainment
Enjoy more of the things you love, for less.
Fuel & transport
Keep more money in your pocket every time you hit the road.
Travel & accommodation
Save on weekends away, family holidays and everything in between.
Smart ways to save
Explore ways to save across insurance, home loans, energy and more.
Simple mortgage broking with Finspo
No fees. No strings.
Just expert advice to help you get more from your mortgage.^
Travel Cover by Huddle
Smart customers can save 20% on eligible Huddle Travel Insurance. Enjoy flexible cover, online claims and real human support. T&Cs apply.^
Fewer vet bills. More tail wags.
Stay on top of your pet’s health with unlimited standard vet consultations, preventative care and 24/7 online vet support in one simple monthly plan.
Best for Pet Wellness Plan is a preventative healthcare membership, not pet insurance. All from $50/month on a 12-month membership, with your first month free.
Use SMART1MWP promo code at checkout.^^^
Simple mortgage broking with Finspo
No fees. No strings.
Just expert advice to help you get more from your mortgage.^
Travel Cover by Huddle
Smart customers can save 20% on eligible Huddle Travel Insurance. Enjoy flexible cover, online claims and real human support. T&Cs apply.^
Fewer vet bills. More tail wags.
Stay on top of your pet’s health with unlimited standard vet consultations, preventative care and 24/7 online vet support in one simple monthly plan.
Best for Pet Wellness Plan is a preventative healthcare membership, not pet insurance. All from $50/month on a 12-month membership, with your first month free.
Use SMART1MWP promo code at checkout.^^^
Real examples of Smart customer savings
Supermarket discount saves hundreds
Amy spends $300 a week on groceries at a major supermarket. Since becoming a Smart customer and accessing Smartrewards, she's been able to save $624 a year on her grocery bills. By purchasing discounted digital gift cards, Amy can save before she shops while still earning rewards through her supermarket's loyalty program.1
Amy, Administration Officer
Laptop discount – with more possible savings
Using the JB Hi-Fi discount currently available to Smart customers, Todd saved $90 on his $2,000 laptop.2 These savings can be used on top of sale prices and other eligible retail offers, helping Todd get even more value from his purchase.3
Todd, Teacher
Your Smartrewards, wherever you are
Log in to your Smart account to access Smartrewards, view available offers and start saving.
Your Smart benefits in one place
Check your balance, track claims and access your benefits in the Smart app.
We're here to help
FAQs
Important information
Smartrewards Terms and Conditions apply, visit smart.com.au The participating retailers are subject to change. For the full list of participating retailers, log in to your online account at smart.com.au and access Smartrewards.
Smartsalary Pty Ltd, ABN 24 096 796 100, a Smart™ company.
- Savings example is for illustrative purposes only and is based on a 4% discount at Coles available through the Smartrewards program. Discounts and participating retailers are subject to change.
- Savings example is for illustrative purposes only and is based on a 4.5% discount at JB Hi-Fi, available through the Smartrewards program. Discounts and participating retailers are subject to change.
- A portable electronic device can only be salary packaged if it is used primarily (over 50%) for work purposes. Tax savings achieved through salary packaging will depend on your income tax bracket and personal circumstances.
^ 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
^^ You could receive 20% off the premium on Eligible Policies when you start a quote with Huddle Insurance via the Smart offer button included in this communication during the Offer Period (12:01am AEDT on 16 February 2026 to 11:59pm AEST on 31 December 2026). Eligible Policies are Huddle International Single-Trip Travel Insurance and Huddle Domestic Single-Trip Travel Insurance. Eligible customers are Australian residents who meet the eligibility criteria for the selected policy. The applicable discount is automatically applied to your quote each time you access Huddle through the Smart tracked referral link during the Offer Period. If you leave the quote journey and return again via the Smart referral link, the discount will apply again. If you access Huddle directly without using the Smart referral link, the discount will not apply. The discount applies to the premium only and excludes taxes, government charges and the policy arrangement fee. This offer cannot be used in conjunction with any other Huddle promotional offer. Huddle reserves the right to change or withdraw this offer at any time, subject to applicable law.
^^^ First month free offer available to Smart and AccessPay customers who sign up to a new Best for Pet Wellness Plan annual membership using promo code SMART1MWP. Offer applies to new memberships only and is not transferable or redeemable for cash. Membership is for a 12-month term and automatically renews annually unless cancelled. Cancellation terms and fees may apply. Offer may be varied or withdrawn at any time. Full terms and conditions apply and are available at Best for Pet Terms and Conditions.