Seniors Cards are run by state and territory governments.
Everyday concessions
Seniors Cards and concessions: what to check
Australia does not have one national Seniors Card. States and territories run their own programs, with their own eligibility rules and discounts.
Practical guidanceUnderstand the options before making the decision.
At a glance
What to know first
Eligibility can depend on age, residency and how much paid work you do.
A Seniors Card is separate from Centrelink concession cards.
The practical detail
Work through the part that matters to you.
Start with your state or territory
Services Australia directs older Australians to the relevant state or territory seniors program. The rules and discounts differ, so the right place to check is the government service where you live.
Do not confuse the different cards
A Seniors Card, Pensioner Concession Card and Commonwealth Seniors Health Card are separate programs. Some people can hold more than one if they meet each set of rules.
Look beyond transport discounts
Depending on where you live, concessions may extend to transport, utilities, council charges, recreation, government services or participating businesses. The available benefits can change.
Check the current rules
Official sources used for this guide.
Government rules and thresholds can change. These links take you to the source material used to prepare this page.
Related Later Life guides
Keep going only where it is useful.
Money & entitlements
Commonwealth Seniors Health Card explained
The Commonwealth Seniors Health Card can help with cheaper health care and some discounts for people who have reached Age Pension age but are not receiving an income-support payment.
Read guide →Money & entitlementsPensioner Concession Card explained
The Pensioner Concession Card can provide cheaper health care, medicines and access to some concessions for people receiving qualifying Centrelink payments.
Read guide →Money & entitlementsWhat am I eligible for as I get older?
There is no single “over 65” benefit in Australia. Different programs use different ages, income tests, residency rules and care needs. The useful first step is to work out which system matches the kind of help you need.
Read guide →When general information is not enough
Talk it through with Liz.
Liz can help connect the general rules to the care and support questions in your own situation. For legal, tax or financial decisions, she will point you back to the appropriate professional or government source.