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Credit cards for people on Centrelink

If you're on Centrelink it's possible to get a low-limit credit card, as long as you meet the eligibility criteria.

1 - 10 of 131
Name Product Purchase rate p.a. Balance transfer rate p.a. Annual fee Min credit limit
St.George Vertigo Card
Purchase rate p.a.
0% for 28 months with 1% balance transfer fee, then 21.49%
Annual fee
Get a 0% p.a. interest rate on balance transfers for 28 months (with a 1% balance transfer fee).
Westpac Low Rate Card
Purchase rate p.a.
0% for 28 months with 2% balance transfer fee, then 21.49%
Annual fee
Save with a 0% p.a. interest rate on balance transfers for 28 months (with a 2% BT fee). Plus, a low 13.74% p.a. purchase interest rate.
ANZ Low Rate - Credit Back Offer
Purchase rate p.a.
Annual fee
Get $250 back on your card when you spend $1,500 on eligible purchases in the first 3 months.
St.George Vertigo Card - Cashback Offer
Purchase rate p.a.
6.99% for 12 months, then 21.49%
Annual fee
Get up to $400 cashback at eligible supermarkets and petrol stations in the first 180 days. Plus, a low interest rate for purchases.
Westpac Low Rate Card - Cashback Offer
Purchase rate p.a.
Annual fee
A no-frills card offering up to $350 cashback: $50 each month you make at least $1,000 of eligible purchases for the first 7 months.
American Express Low Rate Credit Card
Purchase rate p.a.
Annual fee
Offers a low ongoing interest rate of 10.99% p.a. and a $0 annual fee. Plus, complimentary purchase cover.
American Express Velocity Escape Card
Purchase rate p.a.
Annual fee
Save with a $0 annual fee and earn 0.75 Velocity Points per $1 on everyday purchases.
Westpac Lite Card
Purchase rate p.a.
Annual fee
Save with 0% foreign transaction fees, a low interest rate for purchases and cashback offers through Westpac Extras.
Credit Union SA Education Community Credit Card
Purchase rate p.a.
0% for 6 months, then 11.49%
0% for 6 months, then 11.49%
Annual fee
Save with an ongoing $0 annual fee and 0% p.a. interest on purchases, balance transfers and cash advances.
More Info
NAB StraightUp Card
Purchase rate p.a.
Annual fee
Save with 0% p.a. interest charges and 0% foreign transaction fees. Plus, $0 monthly fees when you don't use the card or carry a balance.
More Info

Do you need immediate help?

These services can offer you support in Australia:

Can I apply for a credit card if I’m receiving government assistance?

Some credit cards will accept your application with proof of Centrelink payments to meet the income criteria. This can include:

  • Austudy
  • Carer's allowance
  • Child support payments
  • Child care benefits
  • Centrelink long-term pensions
  • Parenting payments
  • Foster care allowance
  • Family tax benefit A and B

The credit card issuer will consider other factors including whether you have employment, your credit history, expenses and liabilities. If you're not sure if you're eligible, contact the credit card provider directly to discuss your options.

You can compare details for some Australian credit card issuers below to see whether or not they consider specific benefits.

*N/A - In this instance, the institution doesn't have a set policy on this, so you'll need to contact them directly to discuss it on a case-by-case basis.

How do I apply for a credit card if I have more than one source of income?

If you receive income from a few sources – such as child support payments, Family tax benefit A or B and a casual job – you should include details for all of them when you apply for a credit card.

Every card provider has a different application form, but you list your main source of income (such as a casual or part-time job) when asked to nominate your income. And if you receive a parenting payment from Centrelink you would list that under additional sources of income.

You'll probably need to provide documents to establish each source of income. This includes payslips or bank statements.

💡 Tip: You can get copies of your Centrelink payment summaries and other documents online if you have linked your Centrelink and MyGov accounts. You can also request documents through the self service phone line on 136 240.

How can I increase my chances of credit card approval if I'm on Centrelink?

There's no guarantee of approval for a credit card in Australia. But these 4 steps can increase your chances of successfully applying for one.

1. Compare your options

Different types of credit cards can suit different needs. For instance:

Once you've narrowed down the type of card you want, compare a few different cards. Just remember to look at the rates, fees, features and eligibility requirements before picking a card.

2. Check the eligibility requirements before applying

These usually include:

  • Age. You must be at least 18 years of age to apply.
  • Residency. You typically need to be an Australian citizen, permanent resident or hold a valid visa.
  • Income. Minimum income requirements for credit cards can start from $15,000. But a lot of banks don't state a minimum income anymore. They assess your application based on how your income supports your living expenses, including if you receive regular income.
  • Credit score. Most credit card issuers will only consider applicants with good credit scores. If you want to check your credit score before you apply, you can get your credit report and score for free on Finder.

3. Organise the required documents

You'll be asked to provide proof of identification (such as your driver's licence or passport) and proof of income. This may include recent pay slips, bank statements and documents from Centrelink.

💡 Keep in mind: Even if you're applying for a credit card that accepts proof of some Centrelink payments, including another source of income (such as pay from a casual job) can improve your chances of getting approved for a card.

4. Only apply for one card at a time

Every credit card application you make is listed on your credit report. Applying for too many credit cards in a short period of time can lower your credit score.

So, aim to only apply for one card at a time. If your application is rejected, spend some time (usually at least 6 months) improving your credit score before you apply for another one.

It can be difficult to get approved for a credit card when your main source of income is from JobSeeker or another Centrelink payment. But if you need access to funds, some other options to consider include:

  • Personal loans. There are some personal loans with low income requirements. But as they may have higher interest rates and fees than other loans, make sure you consider the costs and compare options before deciding to apply.
  • No interest loans. No Interest Loans (NILs) offer up to $3,000 for people who earn less than $70,000 (or $100,000 as a couple). These loans are administered by Good Shepherd and are available through a range of non-profit community organisations around Australia.
  • Centrelink advance payment. You can ask for a one-off or regular advance from Centrelink when you're recieving an eligible payment, including JobSeeker, Family Tax Benefit A, Age Pension, Carer Payment and Austudy. You can check if you're eligible and apply through MyGov, the Express Plus app, in a service centre or by calling 136 240.
  • Buy now pay later. Services like Afterpay and Zip give you a way to buy what you want and pay it off in instalments. Most buy now pay later accounts have a regular account fee, as well as late payment fees (or in some cases, interest charges), which can become expensive if you use it a lot and/or don't meet the repayment requirements.

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16 Responses

    Default Gravatar
    JustineAugust 9, 2023

    I’m currently receiving jobseeker (long term but actively looking for work) to better my position financially as well just hasn’t come through as yet for me. I also received tax an and b benefits what’s my best chance Le my credit score is stable at 599. But to better it they suggest a credit card. I’d just like $1000 “emergency fund” then to better my rating as well. Any advise… suggestions for which card etc please thx

      AmyAugust 11, 2023Finder

      Hi Justine,
      You can compare credit cards and view different types of benefits accepted by Australian credit card issuers in this guide. But it can be difficult to get a credit card without an additional form of income, such as a casual job. Some lenders also specify that JobSeeker isn’t accepted. So, if you compare and find a credit card you want to apply for, you could call the bank or lender to discuss your eligibility directly. In regards to credit scores, Finder also has a guide on how to improve your credit score that may offer you some other options. I hope this helps.

    Default Gravatar
    MariaOctober 24, 2017

    Hi Sandra,

    Thank you for your inquiry.

    It’s possible as some credit card issuers would accept Centrelink payments as part of your income. However, they would still consider other personal factors such as your credit history and your other sources of income.

    You may refer to the table on this page for the accepted government assistance payments for each bank/institution.

    I hope this helps.


    Default Gravatar
    TSeptember 8, 2016


    I am almost finished paying off a part 9 debt agreement (one payment left!) I’m a single mother on parenting payment. My taxable income is approx $19,000. I want a credit card with a low limit just for emergencies for eg if my car needs repairs. Is there any chance of me being approved for a credit card? Or will my credit rating be affected forever because of the part 9 agreement?

    Thank you.

    Default Gravatar
    SarahMarch 23, 2016

    I’m a single mum with 2 babies who has been left with bad credit and have to start from scratch. I’m trying to get back on my feet but I need help and my daughters 3 birthday is around the corner. I’m looking for anything that can help me get through and something I can use for back up

      DebbieMarch 24, 2016Finder

      Hi Sarah,

      Thanks for your inquiry.

      Sorry to hear about your situation. If you are receiving Centrelink payments, you may apply from the lenders who accepts loan application for people receiving Centrelink payments or receiving a low income. These include loans from short-term lenders, banks, and credit unions. You can also avail of Government and community financial assistance schemes.

      Please ensure to read through the relevant product disclosure statement and terms and conditions of the loan to ensure that you got everything covered before you apply.

      I hope this helps.


    Default Gravatar
    sarahAugust 28, 2015

    I’m a single mum of 2 young children on centerlink with bad credit I’m looking to get all my past and new debts rolled into one with a little cash left over to buy a cheap car. Where can I go

      SallyAugust 28, 2015Finder

      Hi Sarah,

      Thanks for your inquiry.

      There are a few options available to you. Perhaps you should try debt consolidation wherein all your loans will be combined into one. With minimized rates and fees, it’ll be easier for you to get rid of debt.

      For more information, you can also see our balance transfer credit card comparison page.

      Also, you might want to take a look at our bad credit car loans for more tips.

      Make sure to compare your options while considering your own financial situation to find which alternative is of most value to you. Before applying, please also ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.

      I hope this helps.


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