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Seniors Card: Guide for Australian Senior Citizens

Information verified correct on December 4th, 2016

The benefits of the seniors card

For many seniors, coping with the cost of everyday purchases can be very difficult, as the senior years are years when many people struggle financially, even when they have pension plans in place. When you consider the contribution that many seniors in Australia have made to their local communities and areas over the years – and continue to make to this day – it is terrible to think that they are left struggling to purchase the things that they want or need.

Seniors cards can prove invaluable for Australian seniors and these cards are available all across Australia, with each state and territory having its own senior's card scheme in place. These cards are issued free of charge, which means that seniors can enjoy all of the benefits of the scheme without having to pay out a cent for the privilege. These cards can prove invaluable to seniors who want to be able to benefit from special deals, discounts and offers, with many businesses and retailers who participate in the scheme.

The benefits of having a seniors' card

Having a seniors' card can be hugely beneficial to older consumers, as it enables them to get a wide range of discounts, special offers and great deals on a wide variety of goods and services, which means that they could essentially save a fair amount of money each year simply through the use of their card.

Each state and territory will have its own scheme in place, so you would need to make your application based on where you reside. Also, based on the area in which you reside you will be able to benefit from discounts on a variety of goods and services, as you will find that many retailers and businesses sign up to these cards in order to offer special deals and discounts to cardholders.

As many seniors will know from personal experience, affordability on many goods and services can be tight when you are on a pension or when you are nearing retirement and need to be more mindful about what you spend. These seniors' cards can make a big different to the amount that eligible seniors end up paying for various goods and services, making them ideal for those who want to be able to cut costs and enjoy easy access to some great offers.

You will find that over the years these cards and schemes have become increasingly popular and many now have hundreds of businesses on board who offer discounts and deals for cardholders, which means an even wider choice of products and services and even better deals at your fingertips. The fact that these cards are available free of charge to seniors who are eligible in terms of age and residency means that there is nothing to lose at all by applying for one of these cards and everything to gain.

Things to consider when it comes to the seniors' card

If you are looking to benefit from the seniors' card there are a number of things that you should take into consideration. You need to ensure that you are eligible for the card and you should bear in mind that each state has its own scheme, so you should make your application accordingly based on where you are a resident. Some of the things that you should bear in mind include:

  • Checking eligibility: These cards are made available to recognise the contribution of seniors across Australia but there are still eligibility criteria in place that need to be adhered to. Therefore, you should check the eligibility for the senior card scheme in your particular state or territory to ensure that this is something that you can comply with before you make your application. Your age and place of residence will be amongst the important criteria that you need to look at in order to get one of these cards
  • The benefits on offer: The number of businesses that are signed up to these schemes and the range of service and goods available via the schemes, will vary from one scheme and area to another. Some schemes may have a larger number of businesses on board than others. However, all of the schemes across Australia offer a good mix of businesses that have signed up to offer cardholders special deals, discounts and offers, which you can check in the directory that comes with the scheme in your own area
  • Application for the card: If you are eligible for the seniors' card in your area, you need to determine the best way to make your application. There are usually a number of options and the easiest for most people will be an online application, which offers ease and convenience. However, you can also complete a hard copy application and post it off to get your card

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Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit Interest Earned
ME Online Savings Account
Ongoing, variable 3.05% p.a. rate when you link to a ME Everyday Transaction account and make a weekly purchase with your Debit MasterCard using tap & go. Available on balances up to $250,000.
3.05% 1.30% 1.75% $0 $0 / $0 Open More
RaboDirect High Interest Savings Account
Introductory rate of 3.20% p.a. for 4 months, reverting to a rate of 2.05% p.a. Available on balances below $250,000.
3.20% 2.05% 1.15% $0 $0 / $0 Open More
ING DIRECT Savings Maximiser
Ongoing, variable 2.75% p.a. when you link to an ING Orange Everyday bank account and deposit $1,000+ each month. Available on balances up to $100,000.
2.75% 1.60% 1.15% $0 $0 / $0 Open More
Bankwest Hero Saver
Ongoing, variable 2.65% p.a. rate when you deposit at least $200 each month and make no withdrawals. Available on balances up to $5,000,000.
2.65% 0.01% 2.64% $0 $0 / $0 Open More
AMP Saver Account
Introductory rate of 2.55% p.a. for 4 months, reverting to a rate of 2.10% p.a. Available on balances below $5,000,000.
2.55% 2.10% 0.45% $0 $0 / $0 Open More
Australian Unity Easy Saver
Introductory rate of 2.90% p.a. for 4 months, reverting to a rate of 1.70% p.a. Available on balances below $250,000.
2.90% 1.70% 1.20% $0 $0 / $0 Open More
ANZ Online Saver
Introductory rate of 2.85% p.a. for 6 months, reverting to 1.25% p.a. Available on the entire balance.
2.85% 1.25% 1.60% $0 $0 / $0 Open More
Westpac eSaver
Introductory rate of 2.71% p.a. for 5 months, reverting to a rate of 1.25% p.a. Available on the entire balance.
2.71% 1.25% 1.46% $0 $0 / $0 Open More
HSBC Serious Saver
Introductory rate of 2.25% p.a. for 4 months, reverting to a rate of 1.60% p.a. Available on balances below $1,000,000.
2.25% 1.60% 0.65% $0 $0 / $0 Open More
St.George Maxi Saver
Introductory rate of 3.00% p.a. for 3 months, reverting to a rate of 1.05% p.a. Available on balances below $5,000,000.
3.00% 1.05% 1.95% $0 $1 / $1 Open More
BankSA Maxi Saver
Introductory rate of 3.00% p.a. for 3 months, reverting to a rate of 1.05% p.a. Available on the entire balance.
3.00% 1.05% 1.95% $0 $1 / $1 Open More
Bank of Melbourne Maxi Saver
Introductory rate of 3.00% p.a. for 3 months, reverting to 1.05% p.a. Available on the entire balance.
3.00% 1.05% 1.95% $0 $1 / $1 Open More
BankSA Incentive Saver Account
Ongoing, variable 1.85% p.a. when you make at least one deposit each month and no withdrawals. Available on the entire balance.
1.85% 0.01% 1.84% $0 $0 / $0 Open More
Bank of Melbourne Incentive Saver
Ongoing, variable 1.85% p.a. when you make at least one deposit and no withdrawals each month. Available on the entire balance.
1.85% 0.01% 1.84% $0 $1 / $1 Open More
ANZ Progress Saver
Ongoing, variable 1.91% p.a. when you link to any Australian everyday bank account and deposit $10+ each month. Available on the entire balance.
1.91% 0.01% 1.90% $0 $10 / $10 Open More
Westpac Reward Saver
Ongoing, variable 1.85% p.a. when you deposit at least $50 and make no withdrawals each month. Available on the entire balance.
1.85% 0.01% 1.84% $0 $0 / $0 Open More
$
Monthly Account Fee Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details
ANZ Access Advantage
Earn a $100 shopping voucher.
For opening a new account by 18 Dec 2016 and shop three times with your new Visa debit card by 8 Jan 2017 (conditions apply).
Visa $0 $2,000 No monthly account fee when you deposit at least $2,000 per month. Other fee waivers available based on your personal situation. Open More
Bankwest Qantas Transaction Account
Earn Qantas Points on eligible purchases and on your account balance.
Conditions apply.
Mastercard $0 $2,000 No monthly fees when you deposit at least $2,000 into your account each month. Free access to Bankwest and CommBank ATMs in Australia. No overseas ATM withdrawal fees (charged by Bankwest) though third party fees may apply. Open More
ING DIRECT Orange Everyday Account
Get a $75 cash bonus.
Get a competitive ongoing variable rate when linked with a Savings Maximiser.
Visa $0 $1,000 No monthly fees, and you can use any ATM in Australia for free when you deposit $1,000 each month e.g your salary. Open More
AMP Access Account
An everyday transaction account with fee-free banking.
Visa $0 $0 Unlimited fee-free transactions at rediATMs, $0 transaction fees using BankNet, mobile banking and BankPhone. Open More
AMP Cash Manager
Ongoing, variable 1.50% p.a. when you link to an AMP Visa debit card and deposit $2,000+ each month. Available on the entire balance.
Visa $0 $2,000 No transaction fees and waived monthly fee when at least $2,000 is deposited. Open More
Westpac Choice
$0 ATM withdrawal fee at 50,000+ ATMs globally.
Via Westpac's Global ATM Alliance. Get Cash without your debit card (conditions apply).
Mastercard $0 $2,000 No ATM fees when using St.George, Westpac, BankSA or Bank of Melbourne ATMs in Australia. Deposit at least $2,000 per month and enjoy no monthly service fee. Open More
Bankwest Easy Transaction Account
Pay no ATM fees at over 10,000 ATMs in Australia (conditions apply).
Mastercard $0 $2,000 Minimum deposit of $2,000 per month needed to waive the monthly account fee otherwise $6 monthly fee applies. No ATM fee applicable at Bankwest, CBA, NAB, ANZ, Westpac, St.George, BoM and BankSA ATMs in Australia. Open More
St.George Complete Freedom Account
10% Cash back for online gaming purchases.
Waived account keeping fees when minimum deposit is met with no minimum balance.
Visa $0 $2,000 No account keeping fees, if you deposit $2,000 per month plus no minimum balance required. No ATM fees when using St.George, Westpac and BankSA ATMs. Open More
BankSA Complete Freedom Account
Open one in less than 5 minutes with Cardless Cash available.
Visa $0 $2,000 No monthly account keeping fees when you deposit at least $2,000 in the account each month. Free access to BankSA, St.George, Westpac and Bank of Melbourne ATMs. Open More
BankSA Express Freedom Account
Get Cardless Cash, free SMS and email alerts.
Visa $0 $1,000 Avoid ATM fees when using BankSA, St.George, Bank of Melbourne and Westpac ATMs. Avoid the monthly fee if you deposit $1000 into this account each month. Open More
Bank of Melbourne Complete Freedom
Get Cardless cash and shop securely with your Visa debit card. Customise SMS and email alerts.
Visa $0 $2,000 No ATM fees when you use Bank of Melbourne, BankSA, St.George or Westpac ATMs. No monthly fees when you deposit at least $2000 into this account each month. Open More
Bank of Melbourne Express Freedom
Get Cardless Cash and PAYG branch and cheque services.
Visa $0 $1,000 No ATM fees when you use Bank of Melbourne, St.George, Westpac and BankSA ATMs. No monthly fees if you deposit $1000 into your account each month. Open More
BankSA Sense Everyday Account
Save and budget – get two accounts working together and save faster.
Visa $0 $2,000 Use over 3000 BankSA, St.George, Bank Of Melbourne and Westpac ATMs in Australia for free. Open More
$
3 Mths p.a. 4 Mths p.a. 6 Mths p.a. 12 Mths p.a. 24 Mths p.a. 36 Mths p.a. 48 Mths p.a. 60 Mths p.a. Min Deposit Interest Earned
Bankwest Online Term Deposit
Bankwest Online Term Deposit
2.30% 2.50% 2.70% 2.70% 2.60% 2.60% 2.65% 2.65% $1,000 Open More
St.George Term Deposit
St.George Term Deposit
2.20% 2.00% 2.30% 2.60% 3.10% 3.20% 2.80% 2.95% $1,000 Open More
Bank of Melbourne Term Deposit
Bank of Melbourne Term Deposit
2.20% 2.00% 2.30% 2.60% 3.10% 3.20% 2.80% 2.95% $1,000 Open More
BankSA Term Deposit
BankSA Term Deposit
2.20% 2.00% 2.30% 2.60% 3.10% 3.20% 2.80% 2.95% $1,000 Open More
Citibank Term Deposit ($75,000)
Citibank Term Deposit ($75,000)
2.50% 2.50% 2.95% 2.35% 2.35% 2.35% 2.35% 2.35% $75,000 Open More
Westpac Term Deposit
Westpac Term Deposit
2.10% 2.00% 2.20% 2.50% 3.00% 3.10% 2.70% 2.85% $5,000 Open More
ING DIRECT Term Deposit
ING DIRECT Term Deposit
2.10% 2.60% 2.10% 3.00% 2.70% - - - $10,000 Open More
Rates are displayed for the terms and minimum deposit sizes listed in the table above. The rate you receive could vary depending on your deposit size and interest payment frequency.

Shirley Liu

Shirley is finder.com.au's publisher for banking and investments. She is currently studying a Masters in Commerce (Finance) and is the author of hundreds of articles. She is passionate about helping Aussies make an informed decision, save money and find the best deal for their needs.

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ME Online Savings Account

Maximum Variable Rate

3.05%

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1.30
ING DIRECT Savings Maximiser

Maximum Variable Rate

2.75%

Standard Variable Rate

1.60
Bankwest Hero Saver

Maximum Variable Rate

2.65%

Standard Variable Rate

0.01
RaboDirect High Interest Savings Account

Maximum Variable Rate

3.20%

Standard Variable Rate

2.05

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43 Responses to Seniors Card: Guide for Australian Senior Citizens

  1. Default Gravatar
    ilo | September 12, 2016

    I am 65 year old living in NSW, if I continue to work, am I eligible for any government contributions, few years ago was if you work more than your retirement age you can get funds from Centrelink as a bonus for your contribution to work.

    • Staff
      Clarizza | September 20, 2016

      Hi Ilo,

      Thanks for your question.

      To be eligible for Age Pension, you must be 65 years old or older. You must also be an Australian resident. You may find our guide on Australian Age Pension useful.

      Hope this has helped.

      Clarizza

  2. Default Gravatar
    Neil | February 22, 2016

    I’m 65 going on 66,working 76hrs a fortnight,can I get a seniors card,I’m in victoria

    • Staff
      Shirley | February 22, 2016

      Hi Neil,

      Thanks for your question.

      To be eligible you need to be working less than 35 hours per week in paid employment, or fully retired.

      Hope this helps.

  3. Default Gravatar
    Wendy | August 28, 2015

    Can I apply for an Australian seniors card to use while travelling in Australia for 5 months? I reside in Canada but am an Australian citizen. I am 64 years old. Thank you. Wendy.

    • Staff
      Elizabeth | August 28, 2015

      Hi Wendy,

      Thanks for your question.

      Eligibility for the Australian Seniors Card differs between states, but generally you need to be a resident of the state you’re applying for the card in so you may not be eligible. You can find out more on the Australian Government website.

      Thanks,

      Elizabeth

  4. Default Gravatar
    PAUL | August 27, 2015

    In December 2014 I received a letter from Hon David Davis MP Minister for Health re new Seniors Business Discount Card to be introduced in 2015 for Victorians aged 60 or over who are working full time.It explained discounts etc & that information on how to apply for the Card would be provided in 2015.
    I have not received any further information,is there a way for me to apply for the new Seniors Business Card?

    • Staff
      Shirley | August 28, 2015

      Hi Paul,

      Thanks for your question.

      It seems like the Seniors Business card is not available for application, based on the information provided online.

      The regular Seniors card is still available for application, if you’d like to check it out here.

      Cheers,
      Shirley

  5. Default Gravatar
    Robyn | June 2, 2015

    My friend wants to apply for a Victorian Seniors Card, where can she obtain the forms from? Thanks.

    • Staff
      Elizabeth | June 3, 2015

      Hi Robyn,

      Thanks for your question.

      You can pick up an application form from an Australia Post outlet, or you can download and print a form from the Seniors Online website. Once you’ve filled out the form you’ll need to send it to the Seniors Card Program (the address should be printed on the form). It takes between three and four weeks for your card to be delivered.

      I hope this has helped.

      Thanks,

      Elizabeth

  6. Default Gravatar
    Ian | March 29, 2015

    can I get a health care cad if I work full time but I am going on 66 please could you tell me thanks

    • Staff
      Shirley | March 30, 2015

      Hi Ian,

      Thanks for your question.

      NSW permanent residents aged 60 or over, who do no more than 20 hours of paid work a week on average across a 12 month period, can apply for a NSW Seniors Card.

      Cheers,
      Shirley

  7. Default Gravatar
    Wendy | March 13, 2015

    Where do I go to apply for a Seniors Card online?

  8. Default Gravatar
    Max | March 12, 2015

    Can I get Heath care card at 65 even if I am still working

    • Staff
      Shirley | March 12, 2015

      Hi Max,

      Thanks for your question.

      On the Centrelink website it states that, “you may be eligible for a Health Care Card if you get specific payments or supplements from Centrelink or the maximum rate of Family Tax Benefit Part A.

      You will be automatically issued a Health Care Card if you are residing in Australia and you get:
      Newstart Allowance, Sickness Allowance, Youth Allowance as a job seeker, Partner Allowance, Parenting Payment partnered, Widow Allowance, Special Benefit, Carer Payment for short-term or episodic care under 6 months, the maximum rate of Family Tax Benefit Part A, Mobility Allowance if you are not receiving Disability Support Pension or Carer Allowance caring for a child under 16 years or Farm Household Allowance.”

      Cheers,
      Shirley

  9. Default Gravatar
    Diane | February 25, 2015

    I am 60 years old and working 38 hour week. When will I be eligible for the seniors card

    • Staff
      Shirley | February 26, 2015

      Hi Diane,

      Thanks for your question.

      To be eligible you need to be a NSW permanent resident aged 60 or over, who do no more than 20 hours of paid work a week on average across a 12 month period.

      Cheers,
      Shirley

  10. Default Gravatar
    DeNeil | February 25, 2015

    Do interstate authorities recognise another states Seniors Card? Eg., can a WA Seniors card be used for the public transport discount available to a NSW Seniors Card holder?

    • Staff
      Shirley | February 25, 2015

      Hi DeNeil,

      Thanks for your question.

      NSW Seniors Card holders are entitled to purchase public transport concession fares in other states and territories. Many businesses and retailers also provide discounts to interstate cardholders on request.

      Cheers,
      Shirley

    • Default Gravatar
      Helenaz | March 30, 2015

      To use my WA Seniors Card for concessions in NSW, I have to buy a paper ticket each time I travel. I am not eligible for a Seniors Concession Opal Card.

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