seniors-card

Seniors Card: Guide for Australian Senior Citizens

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 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

Compare accounts below

Rates accurate as at: May 27th, 2018 Learn about our information service
$
Maximum Variable Rate p.a. Standard Variable Rate p.a. Bonus Interest p.a. Fees Min Bal / Min Deposit Monthly Account Fee
Bank of Queensland WebSavings Account
Introductory rate of 2.90% p.a. for 4 months, reverting to the standard rate of 1.30% p.a. Available on balances up to $5,000,000 and subject to approval above this balance.
2.90% 1.30% 1.60% $0 $0 / $1 Go to site More
ING Savings Maximiser
Ongoing, variable 2.80% p.a. when you link to an ING Orange Everyday bank account and deposit $1,000+ each month and make 5+ card purchases a month. Available on balances up to $100,000.
2.80% 1.15% 1.65% $0 $0 / $0 Go to site 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 Go to site More
Bankwest Hero Saver
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.
2.60% 0.01% 2.59% $0 $0 / $0 Go to site More
Bank Australia Bonus Saver Account
Ongoing, variable 2.60% p.a. when you deposit at least $100 and make no withdrawals. Available on the entire balance.
2.60% 0.15% 2.45% $0 $0 / $1 Go to site More
HSBC Serious Saver
Introductory rate of 3.00% p.a. for 4 months, reverting to a rate of 1.60% p.a. Available on balances below $1,000,000.
3.00% 1.60% 1.40% $0 $0 / $0 Go to site More
AMP Bett3r Account - Save Account
Earn a competitive, ongoing rate of up to 2.25% p.a. and set personal savings goals. Receive linked Pay and Spend accounts to help manage your money effortlessly.
2.25% 1.50% 0.75% $0 $0 / $0 Go to site More
RaboDirect High Interest Savings Account (SMSF)
Introductory rate of 2.70% p.a. for 4 months, reverting to a rate of 1.90% p.a. Available on balances below $250,000
2.70% 1.90% 0.80% $0 $0 / $0 Go to site More
HSBC Flexi Saver Account
Ongoing, variable 2.50% p.a. when you deposit $300+ each month (other conditions apply). Available on balances up to $5,000,000.
2.50% 1.25% 1.25% $0 $0 / $0 Go to site More
Citibank Online Saver
Introductory rate of 2.85% p.a. for 4 months, reverting to a rate of 1.70% p.a. Available on balances below $500,000.
2.85% 1.70% 1.15% $0 $0 / $0 Go to site More
RaboDirect SMSF PremiumSaver
Ongoing, variable 2.15% p.a. when you link to an RaboDirect High Interest Savings Account and increase your balance by $200+ each month. Available on balances up to $250,000.
2.15% 0.90% 1.25% $0 0 / $0 Go to site More
Westpac Life
Ongoing, variable 2.30% p.a. each month you deposit money, and make sure your balance is higher at the end of the month than it was at the beginning. No monthly account-keeping fee.
2.30% 1.50% 0.80% $0 $0 / $0 Go to site More
$
Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details Monthly Account Fee
NAB Classic Banking
Impressive digital perks. $0 monthly account fee. Tap and pay with your NAB Visa Debit card, NAB Pay for Android or NAB PayTag for iPhone. Temporarily block your card at the touch of a button if you lose it.
Visa $0 $0 $0 account keeping fees with no deposit conditions. Unlimited free withdrawals at NAB and rediATMs. Go to site More
ING Orange Everyday Account
$75 cash bonus. $0 monthly account fees. Receive a $75 cash bonus if you open a new Orange Everyday account, enter the promotional code and deposit at least $1,000 within a calendar month and make 5+ card purchases (T&Cs apply). Get a competitive ongoing variable rate when linked with an ING Savings Maximiser.
Visa $0 $1,000 ING charges no ATM withdrawal fees and offers a rebate on any third-party ATM fees and international transaction fees when you deposit $1,000 and make 5+ card purchases a month. Go to site More
AMP Bett3r Account - Pay Account
Manage your budget effectively with a bundle of accounts. $5 waivable monthly account fee. Monthly account fee waived if you deposit at least $2,000 a month from a source that is not another AMP bank account. Enjoy linked individual Pay, Spend and Save accounts to reach your savings goals.
Visa $0 $2,000 $0 account keeping fees if you deposit at least $2,000 per month. Otherwise, a $5 monthly fee applies. Unlimited free withdrawals at rediATMs in Australia. Go to site More
HSBC Everyday Global Account
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.
Visa $0 $0 Go to site More
Bank of Melbourne Complete Freedom
A flexible option for those living in Victoria. Manage your budget with a spend tracker and pay with Samsung Pay. $5 waivable monthly account fee. Monthly account fee waived if you deposit at least $2,000 a month, are under 21 or if you meet other eligibility criteria.
Visa $0 $2,000 $0 account keeping fees if you deposit at least $2,000 per month. Otherwise, a $5 monthly fee applies. Unlimited free withdrawals at Bank of Melbourne, St.George, Westpac and BankSA ATMs. Go to site More
NAB Classic Banking with Platinum Visa Debit Card
1% cashback on contactless purchases, $0 foreign transaction fee and complimentary travel insurance. $10 waivable monthly account fee. Complimentary travel insurance, transport accident insurance, purchase protection insurance and more when you meet eligibility criteria. Book travel and restaurants through NAB's 24/7 Concierge Service.
Visa $0 $0 $10 account keeping fees with no deposit conditions. Unlimited free withdrawals at NAB and rediATMs. Go to site More
HSBC Day to Day Transaction Account
Open an account and easily switch your regular payments over from your current bank. $0 monthly account fee. Through your linked Visa debit card, you can access exclusive shopping, travel and restaurant deals here and abroad through HSBC's home&Away Privilege Program.
Visa $0 $0 $0 account keeping fees. Unlimited free withdrawals at over 3,000 HSBC, Westpac, St.George, Bank of Melbourne and BankSA ATMs. Go to site More
St.George Complete Freedom Account
Pay with Samsung Pay & manage your budget with the St.George Spend Tracker. $5 waivable monthly account fee. Monthly account fee waived if you deposit at least $2,000 a month, are under 21 or if you meet other eligibility criteria.
Visa $0 $2,000 $0 account keeping fees if you deposit at least $2,000 per month. Otherwise, a $5 fee applies. Unlimited free withdrawals at St.George, Westpac and BankSA ATMs. Go to site More
Westpac Choice
Complimentary Student or Youth Discount Card $5 waivable monthly account fee. Monthly account fee waived if you deposit at least $2,000 a month, are under 21 or if you meet other eligibility criteria. Full-time students and those aged 31 and younger save thousands on travel and experiences through the complimentary Student Discount Card
Mastercard $0 $2,000 $0 account keeping fees if you deposit at least $2,000 per month. Otherwise, a $5 monthly fee applies. Unlimited free withdrawals at St.George, Westpac, Bank of Melbourne and BankSA ATMs. Go to site More
ANZ Access Advantage
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.
Visa $0 $2,000 $0 account keeping fees if you deposit at least $2,000 per month. Otherwise, a $5 monthly fee applies. Unlimited free withdrawals at ANZ ATMs. Go to site More
BankSA Complete Freedom Account
$50 cash bonus available. A flexible option for those living in South Australia. Manage your budget with a spend tracker and pay with Samsung Pay. $5 waivable monthly account fee. Monthly account fee waived if you deposit at least $2,000 a month, are under 21 or if you meet other eligibility criteria.
Visa $0 $2,000 $0 account keeping fees if you deposit at least $2,000 per month. Otherwise, a $5 monthly fee applies. Unlimited free withdrawals at BankSA, St.George, Westpac and Bank of Melbourne ATMs. Go to site More
MyState Everyday Account
$100 cash bonus. $6 waivable monthly account fee. Receive cash bonus when you make five or more Visa card transactions within the first 30 days of opening the account (new customers only). Monthly account fee waived if you deposit at least $2,000 a month. Apple Pay, Google Pay, Samsung Pay available.
Visa $0 $2,000 Go to site More
Rates last updated May 26th, 2018
$
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. Min Deposit Interest Earned
Citibank Term Deposit
-
-
2.80%
-
-
-
$100,000
RaboDirect Term Deposit
2.30%
-
2.50%
-
2.50%
2.70%
$1,000
Firstmac Term Deposit
2.40%
-
2.50%
-
2.65%
2.75%
$5,000
RaboDirect Term Deposit (SMSF)
2.30%
-
2.50%
-
2.50%
2.70%
$1,000
MyState Bank Online Term Deposit
2.50%
2.35%
2.50%
1.50%
2.70%
2.80%
$5,000
St.George Term Deposit
2.05%
1.85%
2.15%
1.90%
2.45%
2.50%
$1,000
BCU Term Deposit
1.25%
0.71%
1.40%
0.71%
1.45%
2.55%
$1,000
BankSA Term Deposit
2.05%
1.85%
2.15%
1.90%
2.45%
2.50%
$1,000
Bank of Melbourne Term Deposit
2.05%
1.85%
2.15%
1.90%
2.45%
2.50%
$1,000
Bankwest Online Term Deposit
2.35%
1.50%
2.60%
1.50%
2.65%
2.60%
$1,000

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.

Shirley Liu

Shirley Liu is a program manager at finder, formerly the publisher for Banking and Investments. She is passionate about helping people make an informed decision, save money and find the best deal for their needs.

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Savings Account Offers

Important Information*
Bankwest Hero Saver

Maximum Variable Rate

2.60

Standard Variable Rate

0.01
Bank Australia Bonus Saver Account

Maximum Variable Rate

2.60

Standard Variable Rate

0.15
Citibank Online Saver

Maximum Variable Rate

2.85

Standard Variable Rate

1.70
AMP Saver Account

Maximum Variable Rate

2.55

Standard Variable Rate

2.10

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45 Responses

  1. 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?

    • Staff
      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

  2. 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.

    • Staff
      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

  3. 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

    • Staff
      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.

  4. 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.

    • Staff
      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

  5. 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?

    • Staff
      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

  6. Default Gravatar
    RobynJune 2, 2015

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

    • Staff
      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

  7. 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

    • Staff
      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

  8. Default Gravatar
    WendyMarch 13, 2015

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

  9. Default Gravatar
    MaxMarch 12, 2015

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

    • Staff
      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

  10. Default Gravatar
    DianeFebruary 25, 2015

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

    • Staff
      ShirleyFebruary 26, 2015Staff

      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

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