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  • Writer's pictureDolfinwise

Are You Eligible For a Seniors/Pensioner card

As a senior or pensioner, you may be eligible for several cards that provide you with discounts and subsidies for various goods and services.

The Commonwealth Seniors Health Card (CSHC) is available to individuals who have reached age pension age but do not qualify for the age pension due to the assets and income test. The CSHC provides discounts for health-related services, including cheaper medicine under the Pharmaceutical Benefits Scheme, bulk billed doctor visits, and a refund for medical costs when you reach the Medicare Safety Net. To be eligible for the CSHC, your annual income must be less than $90,000 as a single or $144,000 as a couple. If your income is slightly over the threshold, you may still be eligible for a partial CSHC.



The Pensioner Concession Card is available to those who receive the full or part age pension. This card provides reduced costs for healthcare, including cheaper prescription medicines, as well as reduced costs for public transport and utility bills. You may also be eligible for a water and rates subsidy. The Pensioner Concession Card can be a great help in reducing the cost-of-living expenses.


The QLD Seniors Card is available to those who are over age 65 and working less than 35 hours per week. This card provides discounts on goods and services from participating commercial and retail providers, as well as eligibility for certain QLD government concessions, such as electricity and gas rebates. You can also access the free Senior Shopper service, which helps you find the best price on retail items. Unlike the CSHC, the QLD Seniors Card is not means tested, so you can apply regardless of your income.


To apply for any of these cards, you can contact the relevant government agency or visit their website. Keep in mind that each card has its own eligibility criteria, and you may need to provide proof of your age, residency, and income.

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