Unlock exclusive discounts and benefits designed to help you save more by making smarter everyday decisions.

We’ve brought together a selection of offers across insurance, home loans, energy, EV batteries and more. It’s our way of helping you get more value on what matters most to you.

The links below direct you to Smart‑branded sites with more information on each offer. AccessPay is a Smart^TM company, therefore customers can access offers across the Smart^TM portfolio.

Terms and conditions for promotions

# Huddle Terms and Conditions

#You could receive 20% off the premium on Eligible Policies when you start a quote with Huddle Insurance via the AccessPay 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 AccessPay tracked referral link during the Offer Period. If you leave the quote journey and return again via the AccessPay referral link, the discount will apply again. If you access Huddle directly without using the AccessPay 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.

**Smart Flight Delay is only included with Huddle’s International Black Comprehensive plan. You’ll need to register your flight(s) at least 2 hours before your flight’s scheduled departure time. You can register all of the flights on your international trip. If your flight is delayed for more than 60 minutes from its originally scheduled departure time, you’ll receive an email with a complimentary voucher for you and up to four guests flying with you. Other Huddle terms and conditions apply.

Huddle travel insurance is arranged, administered and issued by Huddle Insurance, a business name of Open Insurance Pty Ltd ABN 23 166 949 444, AFSL 451712, on behalf of the insurer, certain underwriters at Lloyd’s. Open acts as an agent of the insurer and not on your behalf. Any information is general information only, is not intended as a recommendation and does not take into account your individual needs, objectives or financial situation. You should carefully read the relevant Combined Financial Services Guide and Product Disclosure Statement, and consider the relevant Target Market Determination to help you decide if the product is right for you.

This is general information provided by AccessPay ty Ltd, (AccessPay). This insurance is offered by Open Insurance Pty Ltd ABN 23 166 949 444, AFSL 451712 (Open). AccessPay may receive commission from Open in respect of any transactions that result from the referral. Any personal information provided to Open as part of this transaction will be held, stored and used in accordance with Open’s Privacy Policy, available at: Terms Australia.Open may also share details about you, including your personal information, with Smart and you agree to Smart’s Privacy Collection Statement, AccessPay’s Privacy Policy and AccessPay contacting you about its services.

*Enreal Promotion Terms and Conditions

** The Cheaper Home Battery Program is a Federal Government initiative. Enreal is a brand of Intellihub Australia Pty Ltd (ACN 626 079 614). An Enreal subscription cannot be salary packaged. The subscription cost is deducted separately from your post-tax salary. By proceeding, you agree to Enreal’s Terms of Use and Privacy Policy. You understand that a success fee may be payable from Intellihub to Smartgroup Benefits Pty Ltd (ACN 119 344 740) if you purchase one or more products from Intellihub.

**Qantas Novated Lease Terms and Conditions

** 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.

Best for Pet Terms and Conditions

*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-monthterm 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.

Finspo Terms and Conditions

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.