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5 cards and concessions to consider if you’re an older Australian


There are all sorts of ways that you can score a discount on products and services. We'll show you some of the offers available to older Aussies.

Sponsored by Citro. If you're over 40, you're eligible to swipe and save for exclusive discounts and cashback on thousands of Australia's top brands. To find out more, make sure you visit the Citro website.

One of the great things about getting older is that you can be entitled to a range of discounts. With the right cards, you can score everything from cashback on everyday purchases and discounts on public transport, all the way up to cheaper healthcare.

So let's take a look at some of the cards you can apply for as an older Australian.

πŸ‘‹ Hey there! This article is sponsored by Citro, so we'll be using its membership program as an example throughout. Make sure you always do your own research before selecting a membership program that suits your lifestyle and needs.

1. Citro Card

Citro is a membership program that provides you with access to a range of discounts and cashback offers through Australian retailers.

When you sign up, you'll be sent a weekly email featuring a round-up of the best offers available via Citro. You'll also have access to Citro's online community, where fellow shoppers share saving tips and lifestyle suggestions.

As part of a Premium membership for people aged over 40, you can also get a Citro Card. The Citro Card is a Visa debit card that you can link to your existing bank account.

When you make purchases with the Citro Card, any relevant discounts or offers are automatically activated. So you don't need to worry about having to show a specific voucher or accidentally leaving a coupon at home.

Cashback you've earned can then be spent via the Citro App. Simply toggle it on, and you'll be able to use it on your next purchase.

Citro partners with hundreds of Australia's most-loved brands, so there's a huge range of options to select from when you shop.

Learn about signing up with Citro today

2. Medicare cards

When it comes to thinking about discount cards, you shouldn't overlook the humble Medicare card.

After all, it can provide you with access to a range of bulk-billed medical services, including GPs, public hospitals, surgery, medications, vaccinations, screenings and much more.

Even if you're not bulk-billing, having a Medicare card can still entitle you to certain rebates when you visit your doctor or specialist.

So if you don't already have one, there's no time like the present to sign up for one.

To find out whether you're eligible for a Medicare card, you can visit the Services Australia website.

3. Seniors cards

Every state and territory in Australia has a concession card for people over 60 (or 65, in some states) who aren't working full-time any more.

The means-testing isn't generally as strict as most of the other cards on this list, but the specifics of each do vary a bit across the country.

Typically, these cards will entitle you to a discount on services like public transport, enable you to reduce the cost of certain bills, and occasionally get access to special sales or deals.

Depending whether you live in the ACT, NT, NSW, Queensland, South Australia, Tasmania, Victoria or Western Australia, you'll need to visit the government website for your state or territory to find out how to apply.

4. Commonwealth Seniors Health Card (CSHC)

Available to people over 67, the Commonwealth Seniors Health Card (CSHC) offers holders a range of benefits.

Some of the discounts you can be eligible for include medication, prescriptions, ambulance costs, dental and eye care. You may also be entitled to reduced costs on a number of bills, including property, water, electricity and gas.

Last – but certainly not least – you can also score discounted travel on public transport.

If you're single and earn less than $95,400 a year – or you're part of a couple that earns less than $152,640 a year – you're able to apply for the CSHC.

If you want to found out more about the CSHC, you should visit the Services Australia website. You'll be able to find all the relevant information about eligibility and how to apply.

5. Pensioner Concession Card (PCC)

If you're 55 or older, you may be eligible for the Pensioner Concession Card (PCC).

It offers similar benefits to the CSHC, but it's available at a much younger age.

With a PCC, you'll be eligible for cheaper medicine, a larger refund through the Medicare Safety Net and access to a range of hearing services. You can also get discounted mail redirect via Australia Post.

To find out if you qualify, you can visit the Services Australia website.

Discover how you can score offers and cashback through Citro

Sponsored by Citro. If you're over 40, you're eligible to swipe and save for exclusive discounts and cashback on thousands of Australia's top brands. To find out more, make sure you visit the Citro website.

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