Pensioner Concession Card
Cardholders can access Australian Government health concessions and get help with the cost of living by reducing the cost of certain goods and services.
- receiving certain income support payments
- meeting age and work requirements
Eligibility & payment rates
You can get a Pensioner Concession Card if you receive any of these payments:
- Age Pension
- Bereavement Allowance
- Carer Payment
- Disability Support Pension
- Newstart Allowance or Youth Allowance as a job seeker if you are single, caring for a dependent child, and looking for work
- Parenting Payment single
You may also get a Pensioner Concession Card if you are 60 years of age or over and for more than 9 months have been receiving:
- Newstart Allowance
- Parenting Payment partnered
- Partner Allowance
- Sickness Allowance
- Special Benefit
- Widow Allowance
You may also get a Pensioner Concession Card if you have a partial capacity to work and you are receiving:
If you find a job, you may be able to keep your Pensioner Concession Card for a short time.
If you are no longer eligible for Parenting Payment single, due to your youngest child turning 8 years of age, you will still be entitled to your Pensioner Concession Card for a period of 12 weeks from the date your payment is cancelled.
A Pensioner Concession Card entitles you to reduced cost medicines under the Pharmaceutical Benefits Scheme.
You may also be entitled to various concessions from the Australian Government. These could include:
- bulk billing for doctor appointments – this is your doctor's decision
- higher Medicare benefits for eligible services once you meet your annual Medicare Safety Net threshold
- assistance with hearing services, you can read more about the Hearing Services Program on the Department of Health website, and
- discounted mail redirection through Australia Post
You may get some of these Australian Government concessions for a dependent child.
You may also be entitled to various concessions from state and territory governments and local councils such as:
- reductions on property and water rates
- reductions on energy bills
- reduced fares on public transport
- reductions on motor vehicle registration, and
- free rail journeys
Pensioner Concession Card concessions are different in each state and territory and vary between local councils. Read more about state and territories government concessions on the Australia.gov.au website.
You do not need to apply for a Pensioner Concession Card. If you are receiving an eligible Centrelink payment, you will automatically receive a Pensioner Concession Card.
If you continue to be eligible, we automatically send you a new Pensioner Concession Card 2 weeks before the expiry date on your current Pensioner Concession Card.
You have the right to appeal any decision we make. Read more about reviews and appeals.
Your Pensioner Concession Card is automatically issued to you when you are eligible and is valid for 2 years. It is renewed every 2 years on your birthday.
If you have a concession or health care card, you can also access a digital image of it from the Digital Wallet on the Express Plus Centrelink mobile app. The Digital Wallet lets you present your concession or health care card using your smart device.
To access the Digital Wallet, eligible customers need to download the latest version of the Express Plus Centrelink mobile app. Then:
- log on-to the app
- select Digital Wallet or rotate your smart device on its side.
- your card will:
- drop down from the top of the screen
- swipe vertically to show the front and the back of the card, and
- shimmer slightly
If you have more than one concession or health care card, you can swipe horizontally to access the card you need.
If your concession or health care card is no longer active, EXPIRED will appear across the card. An expired card will be displayed for 28 days before it’s no longer available through the app. There may be circumstances where you should continue to use your physical concession or health care card. If your Digital Wallet is not accepted by a concession provider, please contact us with their details by emailing email@example.com
You need to tell us if your circumstances change when you are receiving a payment. For example, if:
- your personal circumstances change
- you change your address
- your income changes
- you do not have to lodge a tax return
- your care arrangements change, or
- your work or study load changes
If you stop receiving your Centrelink payment, we will automatically cancel your Pensioner Concession Card however, you may be able to keep your card for a short time after returning to work.
Your payment may be affected if you do not tell us about the changes within 14 days of it happening. You may be overpaid benefits and you may have to pay the money back.
If you deliberately do not tell us about changes, you could be charged with fraud, and a recovery fee may be imposed.
There are concession card rules that might affect you if you leave Australia.
To remain eligible for a Health Care Card or Pensioner Concession Card while you are outside Australia, you must continue to meet the qualification rules for your card.
Concession and health care cards can help you access cheaper health care services and medicines.
Select the options that describe your circumstances, then explore a suggested list of possible Centrelink and Medicare payments and services online.
Select your state and topics of interest to find links to government and community organisation support.
Getting control of your money can be hard, but we’ve got some great advice and tools to help. Read more about budgeting, borrowing and credit, and managing debt, to help manage your money.