couple

Seniors Card: Guide for Australian Senior Citizens

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 take into consideration about 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

High interest savings account offer

UBank USaver

2.87 % p.a.

max rate

1.81 % p.a.

standard variable rate

High interest savings account offer

Earn up to 2.87% p.a. by linking your USaver account to a UBank Ultra transaction account and transferring at least $200 per month into either account. This offer is available on balances up to $200,000.

  • Maximum Rate: 2.87% p.a.
  • Standard Variable Rate: 1.81% p.a.
  • Monthly deposit required: $200.00
  • Monthly fees: $0.00
Go to site
Promoted

Looking to save? Compare accounts below

Rates accurate as at: May 23rd, 2019 Learn about our information service

Rates last updated May 23rd, 2019
$
$
months
Name Product Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit Interest Earned Product Description
UBank USaver
2.87%
1.81%
1.06%
$0
$0 / $0
Earn up to 2.87% p.a. by linking your USaver account to a UBank Ultra transaction account and transferring at least $200 per month into either account. This offer is available on balances up to $200,000.
AMP Saver Account
3.00%
2.10%
0.90%
$0
$0 / $0
Introductory rate of 3.00% p.a. for 4 months, reverting to a rate of 2.10% p.a. The bonus rate offer is for new AMP Saver customers only, and applies to the first $250,000 deposited.
Suncorp Growth Saver Account
2.60%
0.20%
2.40%
$0
$0 / $0
Ongoing, variable 2.60% p.a. when you make a total deposit of at least $200 and make no more than one withdrawal. Available on the entire balance.
HSBC Serious Saver
3.10%
1.20%
1.90%
$0
$0 / $0
Receive a maximum variable rate of 3.10% p.a. for 4 months, reverting to an ongoing rate of 1.20% p.a. for each month you don't make any withdrawals from the account. Available on balances below $1,000,000.
Bankwest Hero Saver
2.60%
0.01%
2.59%
$0
$0 / $0
Ongoing, variable 2.60% p.a. rate when you deposit at least $200 each month and make no withdrawals. Available on balances up to $250,000.

Compare up to 4 providers

Rates last updated May 23rd, 2019
$
Name Product Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Monthly Account Fee Product Description
HSBC Everyday Global Account
Visa
$0
$0
No foreign ATM or transaction fees.
$0 monthly account fee.
Enjoy no minimum ongoing balance or transaction requirements and the flexibility to hold up to 10 currencies. Apple Pay and Google Pay available.
Suncorp Everyday Options Account
Visa
$0
$0
Special offer: Open an account by 30 June 2019 and pay $0 monthly account fee.
New account holders only. $5 monthly account fee will be waived for as long as the account is held.
Save for your individual goals by linking to interest-earning sub accounts. Google and Apple Pay available.
UBank USaver Ultra Transaction Account
Visa
$0
$0
Earn up to 2.87% p.a. interest on your linked savings account. No foreign ATM or transaction fees.
$0 monthly account fee.
You must open the UBank USaver savings account in order to get this account. Enjoy access to ATMs in Australia and overseas for free and a 0% foreign transaction fee for online purchases. Manage your spending with a built-in sweep facility that automatically moves money between your linked accounts based on the limits you set. Make contactless payments with Apple Pay.
ING Orange Everyday Account
Visa
$0
$0
No fees for any ATM in Australia or overseas.
$0 monthly account fees.
Enjoy $0 ATM withdrawal fees when you deposit $1000 and make 5+ card purchases per month. Get a competitive ongoing variable rate when linked with the ING Savings Maximiser.
NAB Classic Banking
Visa
$0
$0
Enjoy convenient, unlimited access to your money.
$0 monthly account fee.
Tap and pay with your NAB Visa Debit card or your phone using Apple Pay, Google Pay, Samsung Pay or NAB Pay for Android. Temporarily block your card at the touch of a button if you lose it.
Suncorp Everyday Basics Account
Visa
$0
$0
A simple everyday account with low fees.
$0 monthly account fee.
Enjoy no monthly account keeping fees as well as the option to pay using Google and Apple Pay. Free ATM withdrawals at 3000+ Suncorp and rediATMs.
MyState Bank Glide Account
Visa
$0
$0
Simplify your everyday banking with these sleek digital features.
$0 monthly account fee.
Choose the way you pay with access to Google, Samsung and Apple Pay plus Fitbit Pay and Garmin Pay. Send and receive money in less than 60 seconds with PayID.
CUA Everyday Account
Visa
$0
$0
Enjoy flexible payment options and access to a wide network of ATMs.
$0 monthly account fee.
Access to Google, Samsung and Apple Pay. Enjoy fee-free cash withdrawals from 10,000+ ATMs across Australia. Deposit $1,000+ into this each month and receive bonus interest on a linked CUA eSaver Reward Account.
Citi Global Currency Account
Mastercard
$0
$0
Hold up to 10 currencies.
$0 monthly account fee.
Enjoy one linked debit card to hold up to 10 currencies and receive foreign currencies for free. Earn up to 2.25% p.a. interest on your AUD balance.
ANZ Access Advantage
Visa
$0
$2,000
Pay with Apple Pay, Google Pay & Samsung Pay.
$5 waivable monthly account fee.
Monthly account fee waived if you deposit at least $2,000 a month, are under 25 or if you meet other eligibility criteria.

Compare up to 4 providers

Rates last updated May 23rd, 2019
$
Name Product 3 Mths p.a. 4 Mths p.a. 6 Mths p.a. 7 Mths p.a. 12 Mths p.a. 24 Mths p.a. Interest Earned
ME Term Deposit
2.40%
2.40%
2.40%
2.45%
2.40%
2.40%

Compare up to 4 providers

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.

Was this content helpful to you? No  Yes

Related Posts

Savings Account Offers

Important Information*

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

47 Responses

  1. Default Gravatar
    PaulFebruary 27, 2019

    Hi there, I am 60 years of age on long term DSP since year 2000. I’m not working & have dual custody & equal rights to a 12 year old daughter. Am I eligible to apply for Seniors card? Thank You. Awaiting for a response.

    • Avatarfinder Customer Care
      NikkiFebruary 28, 2019Staff

      Hi Paul,

      Thanks for getting in touch! As it says on our page, “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.”

      Hope this was helpful. Don’t hesitate to message us back if you have more questions.

      Best,
      Nikki

  2. Default Gravatar
    NurellMay 16, 2017

    Hi. I am inquiring for my Father, if you are over 68yrs, permanent resident of WA and work full-time, are you entitled to any seniors card or concession card to help with the medical bills etc?

    • Avatarfinder Customer Care
      HaroldMay 17, 2017Staff

      Hi Nurell,

      Thank you for your inquiry.

      The eligibility criteria differs between states, but generally you need to be a resident of the state you’re applying for. You can also find out more on the Australian Government website.

      I hope this information has helped.

      Cheers,
      Harold

  3. Default Gravatar
    iloSeptember 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.

    • Avatarfinder Customer Care
      ClarizzaSeptember 20, 2016Staff

      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

  4. Default Gravatar
    NeilFebruary 22, 2016

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

    • Avatarfinder Customer Care
      ShirleyFebruary 22, 2016Staff

      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.

  5. Default Gravatar
    WendyAugust 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.

    • Avatarfinder Customer Care
      ElizabethAugust 28, 2015Staff

      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

  6. Default Gravatar
    PAULAugust 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?

    • Avatarfinder Customer Care
      ShirleyAugust 28, 2015Staff

      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

  7. Default Gravatar
    RobynJune 2, 2015

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

    • Avatarfinder Customer Care
      ElizabethJune 3, 2015Staff

      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

  8. Default Gravatar
    IanMarch 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

    • Avatarfinder Customer Care
      ShirleyMarch 30, 2015Staff

      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

  9. Default Gravatar
    WendyMarch 13, 2015

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

  10. Default Gravatar
    MaxMarch 12, 2015

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

    • Avatarfinder Customer Care
      ShirleyMarch 12, 2015Staff

      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

Ask a question
Go to site