Working Credit

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

Who it's for

Working Credit is for anyone getting:

Income Bank is like Working Credit but for full time students on:

How it works

Working Credit increases how much you can earn before we start reducing your payments.

We calculate it automatically when you report your income. You don’t need to do anything extra.

How you build Working Credits

You build up Working Credit when your total income is less than $48 per fortnight. This includes paid work and investments. It doesn’t include payments from us.

You can build up a maximum of 48 Working Credits each fortnight.

You can build up a total of 1,000 Working Credits if you’re getting:

You can build up a total of 3,500 Working Credits if you’re getting Youth Allowance as a job seeker.

Check your Working Credit balance and history through your Centrelink online account.

How it helps you

Working Credit lets you earn more before we start to reduce your income support payment.

We use each Working Credit you have to offset $1 of employment income. Once your Working Credit balance reaches zero your income support payment will start to reduce.


Janine has been getting Newstart Allowance for 8 months without earning any income. Janine has built up 800 Working Credits.

Janine starts a full time job earning $1,000 per fortnight. In the first fortnight the 800 Working Credits reduce the amount we count as income from $1,000 to $200. This means Janine gets some Newstart Allowance for that fortnight. Janine’s Working Credit balance is zero.

The next fortnight all of Janine’s income will count and reduce Janine’s Newstart Allowance to zero.

When your payments stop

We stop paying you if your income is over the cut off point and you’ve run out of Working Credits.

You may keep your concession card and some other benefits for up to 12 weeks. This may include:

Page last updated: 27 August 2017