Working Credit

Working Credit lets you keep more of your income support payment and benefits while you're working.

Working Credit reduces the amount of your earnings subject to the income test. It's automatically calculated and applied if you get an eligible payment.

Full time students who get Youth Allowance, Austudy or ABSTUDY are eligible for Income Bank instead of Working Credit.

Building Working Credits

You build up Working Credits automatically when your total income, including income from paid work and investments, is less than $48 per fortnight.

You build up 1 Working Credit for every dollar under $48 of total income per fortnight.

If you get Youth Allowance as a job seeker, you can build up a total of 3,500 Working Credits. If you get Youth Allowance as a student you are not entitled to Working Credits. For more information on Youth Allowance as a student, see Income Bank.

You can build up a total of 1,000 Working Credits if you get:

You can view your Working Credit balance and history using your Centrelink online account through myGov.

Using Working Credits

You automatically use your Working Credits when you have earnings. Your Working Credits increase the amount you can earn before your income support payment starts to reduce.

For example, Janine has been getting Newstart Allowance for over 8 months without earning any income. She has built up 800 Working Credits. Janine starts a full time job, earning $1,000 gross per fortnight. Because she has Working Credits to use, she declares her income and continues to get Newstart Allowance until her Working Credits are reduced to nil.

In the first fortnight she earns $1,000. The 800 Working Credits reduce her income for reporting purposes to $200. She will still get a part payment for Newstart Allowance in this fortnight.

Continuing benefits

If you've used up all of your Working Credits, and your income from work reduces your income support payment to $0, you may be able to keep your concession card and some other benefits for up to 12 weeks.

The benefits you keep depend on your individual situation, but may include:

If you're a single principal carer of a dependent child, you may be entitled to a Health Care Card for a further period of up to 26 weeks.

Page last updated: 29 September 2016

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