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The low-down on senior concessions

One of the key questions that retirees ask - regardless of their financial position, is if they will qualify for any form of well-deserved concessions.

Generally speaking, concessions for retirees are provided by either the Federal Government or the applicable state government.

Queensland State Government Concessions

In simple terms, retirees living in Queensland will qualify for a Seniors Card if they are aged over 65 and are working less than 35 hours per week at the time of application. However, individuals aged over 60 and in receipt of certain Federal Government Centrelink payments may also be entitled to apply for a Seniors card. The application process is relatively simple and can be done online or by completing a very simple form. Concessions are limited to state-based registration, transport and some utilities costs.

Where to use a Seniors Card
You can use your Queensland Seniors Card, Seniors Card +go or Seniors Business Discount Card at thousands of participating businesses throughout Queensland.

If you hold a Queensland Seniors Card or Seniors Card +go, you may also be eligible to access Queensland Government concessions.

Finding discounts and special offers
Use the online discount directory to search for Queensland discounts by card type, location, or discount category. For more information phone 13 QGOV (13 74 68).

To find out more about participating businesses and available discounts in other states, you will need to contact the relevant interstate Seniors Card office.

Federal Government Concessions

Federal Government concessions are provided and managed via Centrelink and include some assessment of the value of assessable assets and/or incomes of retirees in order to qualify. Concessions can include discounts on medical and health costs, rates, some utilities and certain home related costs. The concessions available can be grouped into two broad categories as follows:

  • Retirees who qualify for a Centrelink payment such as the Age Pension or Disability Support Pension will receive the Pensioner Concession Card and become entitled to the widest range of associated concessions which may include: reduced-cost medicines under the Pharmaceutical Benefits Scheme (PBS) and various state and territory government concessions such as reductions on property and water rates, energy bills, motor vehicle registration and public transport. State and territory governments and local councils offer different concessions.
  • Retirees who don’t qualify for a Centrelink payment due to the value of their assessable assets and/or incomes may qualify instead for a Commonwealth Seniors Health Card if their annual adjusted taxable income1 is below the following thresholds:
    • $52,796 (singles)
    • $84,472 (couples combined)
    • $105,592 (couples separated due to illness).

Holders of a Commonwealth Seniors Health Card are also entitled to discounts on prescription medicines through the Pharmaceutical Benefits Scheme. They may also qualify for additional health, household, transport, education and recreation concessions that may be offered by state or territory and local governments and private providers.



1 Your adjusted taxable income is the income you get taxed on, disregarding any First Home Super Saved released amount, plus any adjusted fringe benefits, target foreign income, total net investment loss, any pension or benefit that you get from the Government that’s tax-free, plus any reportable superannuation contributions that have had a child maintenance amount deducted.