There are a number of ways to save on health, utilities, transport and more. Here’s an overview to help make sure you don’t miss out.
The Pensioner Concession Card
The granddaddy of all concession cards is the Federal Government's Pensioner Concession Card, entitling you to cheaper health care and medicines and discounts on utility bills and transport. For people over 60, you should qualify if you have been receiving any of the following for more than nine months:
Commonwealth Seniors Health Card
The Commonwealth Seniors Health Card offers some medical and energy discounts to those of Age Pension age who are not eligible to receive the pension but satisfy an income test.
Seniors Concession Card Scheme
Each state government has a seniors concession card scheme. The eligibility requirements vary and may include number of hours in paid employment and/or an age limit. An associated Discount Directory, generally available online, lists participating businesses, including those with reciprocal arrangements with other states.
Senior Savers, or Senior Business Card
NSW, Queensland and Victoria have also recently introduced an additional Senior Savers or Senior Business Card so seniors more active in the workforce can also access some discounted goods and services.
2. Save on utilities
Some holders of the Commonwealth Seniors Health Card are entitled to claim an energy supplement, which provides assistance with household expenses, including energy costs.
Energy company concessions
Some energy companies, such as AGL, provide concessions to holders of a Seniors Card via the Discount Directories.
Council rate reductions
Local governments offer council rate reductions to Pensioner Concession Card holders.
State discounts and rebates
State governments offer discounts or rebates to seniors in different ways. See state-by-state offerings here.
Cheaper medicines and bulk billing
If you hold the Federal Government's Pensioner Concession Card, medical discounts include cheaper medicines under the Pharmaceutical Benefits Scheme along with bulk-billed doctors' visits and the Hearing Services Program. The Commonwealth Seniors Health Card also offers some medical concessions.
Savings on specs
Spectacles are subsidised in each state, though a means test may apply. Read more.
State government concessions
See the medical concessions in your state by clicking here.
More savings in the Discount Directory
Many service providers – some dentists, for example – list concessions in their state or territory’s Discount Directory; search online for your state's version.
Senior travel cards
To access travel discounts, Seniors Concession Card holders may need to apply for a senior travel card – for example, a Gold Opal in NSW or a Seniors Myki in Victoria. Benefits are also available for interstate travel.
Some states and territories offer reduced rates on car registration, licence renewal and stamp duty on compulsory third party insurance. Find out more.
Private company discounts
Several private travel companies offer benefits to senior concession card holders. For instance, Greyhound offers a 10% discount on full adult fares and Europcar offers senior specials of 10% off the base rate on car rental year round.
The great outdoors
For those looking to get back to nature, NSW National Parks and Wildlife Service offers some senior discounts, and holders of pension concession cards are also exempt from fees for fishing licences in some states. In NSW, for example, seniors card holders can apply for a discount on annual passes.
Seniors Cards may be accepted internationally so it's worth asking when you're overseas.
Save on groceries
Savings at the movies
The major cinema chains and many independent cinemas offer seniors discount sessions or tickets.
Many food outlets, including local restaurants and national chains, offer discounts through Discount Directories.
Any advice and information on this website is general only, and has been prepared without taking into account your particular circumstances and needs. Before acting on any advice on this website you should assess or seek advice on whether it is appropriate for your needs, financial situation and investment objectives.
Any general tax information on this website is intended as a guide only and is based on our general understanding of taxation laws. It is not intended to be a substitute for specialised taxation advice or an assessment of your liabilities, obligations or claim entitlements that arise, or could arise, under taxation law, and we recommend you consult with a registered tax agent.
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