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Centrelink Benefits | Commonwealth Seniors Health Card

(Information current as at 9 October 2019)

What is it?

A Commonwealth Seniors Health Card is a concession card to get cheaper health care and some discounts if you have reached age pension age but are not receiving aged pension from Centrelink.

A Doctor holding and pointing to a sample Commonwealth Seniors Health Card.

Medical Benefits

Cheaper medicine under the Pharmaceutical Benefits Scheme
Bulk billed doctor visits (at doctor's discretion)
A bigger refund for medical costs when you reach the Medicare Safety Net

Eligibility Basics

Over pension age (see table below)
Unable to get a payment from Centrelink or the Department of Veterans' Affairs
Under the
income test limit
Meet residence rules

Seniors Card Eligibility Age

Income Test

The income tests uses adjustable taxable income and a deemed amount from accountant based income streams. This is reviewed 20 September each year in line with the Consumer Price Index.

To pass the income test, you must earn no more than:

  • $55,808 a year if you are single,
  • $89,290 a year for couples,
  • $111,616 a year for couples separated by illness, respite care or prison.

Add $639.60 to these amounts for each child in your care.

There is no assets test.


You must be an Australian resident, or the holder of a Special Category visa and living in Australia.

Newly arrived residents generally need to wait 2 or 4 years before getting the card, with some exemptions.

You must continue to meet the residency rules for as long as you are receiving the payment.

For more information to determine which payments you are eligible for please visit the following website:

If anything happened to you, would your loved ones know where to start in relation to your affairs?

If you haven't already, now is a great time to consider a Family Register.

If you would like to print this information please click here for PDF format.

The information provided in this information sheet does not constitute advice. The information is of a general nature only and does not take into account your individual financial situation. It should not be used, relied upon, or treated as a substitute for specific professional advice. We recommend that you contact Brentnalls SA before making any decision to discuss your particular requirements or circumstances.
Our Services

Our services go beyond compliance to find out more about your goals, your priorities and establish plans to grow and protect your future wealth. We will take the time to listen, ensuring we meet your goals, as well as guide you so you have a better understanding of the financial decisions being made. Our services include:

Accounting & Tax
Business Advisory
Wealth Creation & Preservation

Our People

Our Partners & Principals want to be part of your team that drives your future success, that provides you with solutions to your challengers. More importantly, who listens and knows exactly where you are going and what you want to achieve financially. 

"Helping you achieve your dreams, is our passion, and our strength is in our dedicated professional team."


News & Resources

Our priority is to ensure your kept up-to-date on trends, industry legislations, accounting and tax updates, business advisory information, superannuation and much, much, more. All of which, may have an impact on you and your business. Our resources provide additional supporting information in the following areas: 

Fact Sheets
News Articles
COVID-19 - Information Sheets
COVID-19 - Brentnalls SA Response

Our Location

255 Port Road

PO Box 338
Welland SA 5007 

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P: (08) 8241 8444
F: (08) 8241 8488

E: [email protected]

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