SENIORS CARD SAVINGS
Citro acknowledges the Traditional Owners of Country throughout Australia and pay our respects to Elders past and present
While Citro has checked the details in this guide, information should be confirmed for accuracy with government sources.
This guide is published by Citrus Innovations Pty Ltd, 50 Bridge Street, Sydney, NSW 2000 ABN 25 667 285 654
Phone 1300 869 596
Welcome
If you ’ ve ever thought the Seniors Card was something you only apply for after you ’ ve hung up your work boots for good, think again. In most states you can get a version of the card from age 60, even if you ’ re still working full time. Which means you could already be sitting on a stack of discounts and perks you didn’t know were there.
Sure, not all versions of the card will get you cheap travel, but that’s not the only perk the card offers. We’re talking trimmed-down energy bills, lighter grocery shops, discounted insurance, cheaper movie tickets, affordable fitness classes and even money off a haircut or a night out with friends.
This little guide pulls together 20 o Seniors Card to work. Think of it as more often – to outings, adventure
At Citro, we ’ re all about helping you more out of life. And your Seniors C It’s a brilliant place to start.
Happy saving,
Bronwyn Mandile Managing Editor, Citro
First, you might be surprised you qualify
Many people think you have to be retired in order to apply for a Seniors Card. That’s not the case at all.
You see, there are 2 versions of the card: the one that offers discounts and some other benefits; and the one that also gives you free travel. Almost all states will offer you the first version of the card even if you ’ re still working. Some will even give you the travel benefits version of the card even if you work part time.
The eligibility criteria for a Seniors Card varies from state to state, but in some states you can qualify for the full card (which includes travel discounts) and still work part time. Here’s the state-by-state breakdown for full card eligibility:
1. NSW Seniors Card
Age: 60 years or older.
Work: No more than 20 hours per week (averaged over 12 months).
Residency: Permanent resident of NSW.
2. Victorian Seniors Card
Age: 60 years or older.
Work: No more than 35 hours per week.
Residency: Permanent resident of Victoria.
3. QLD Seniors Card
Age: 65 years or older (or 60 if you hold an applicable concession card)
Work: Less than 35 hours per week.
Residency: Permanent resident of Queensland, living there for at least 6 months of the year.
4. WA Seniors Card
Age: 65 years or older.
Work: Less than 25 hours per week.
Residency: Permanent resident of WA.
Age: 60 years or older.
Work: Fewer than 20 hours per week (averaged over a 12 month period for part-time and casual work).
Residency: Permanent resident of South Australia.
Age: 60 years or older.
Work: No more than 20 hours per week.
Residency: Permanent resident of Tasmania.
Age: 60 years or older.
Work: You must work no more than 20 hours per week.
Residency: Permanent resident of the ACT.
8. NT Seniors Card
Age: 60 years or older.
Work: You must work fewer than 20 hours per week.
Residency: Permanent resident of the Northern Territory.
5. SA Seniors Card
6. Tasmanian Seniors Card
7. ACT Seniors Card
Second, you have to apply
Getting a Seniors Card isn’t like the poo kit. They don’t automatically send you one in the mail the minute you turn a certain age.
Instead, when you turn 60 (65 in some states – see above), you’ll need to visit your state’s Seniors Card website (see links on previous page) or service centre and fill out the application form. In most states you can do this up to 2 months before you meet the age requirement.
If you meet all the eligibility criteria, you’ll soon get the tick of approval.
Okay, so with your new card in hand, it’s time to start saving. Here are some of the less well-known things you can do with your Seniors Card.
Cheaper public transport 1
One of the most immediate perks of a Seniors Card is discounted travel on buses, trains, trams and ferries across Australia. In many states, off-peak travel is capped at less than a few dollars a day, making it affordable to get out and about without worrying about parking, tolls or petrol prices.
For example, in NSW, you can travel anywhere on the Opal network for just $2.50 a day. It means you can hop on a ferry to Manly, explore the Blue Mountains by train or simply head into town for a movie and coffee without stressing about the return trip.
In regional areas, discounted long-distance train services make visiting family or exploring your own state a joy. This freedom to move around easily keeps us connected to people and places, and the Seniors Card discount means you can say yes more often to outings and adventures.
Savings on energy bills
Keeping the lights on and the heater running can bite into the budget, especially in winter or during a hot Aussie summer. Many energy providers offer discounts to Seniors Card holders, and state governments often have rebates or concessions that knock hundreds off your bill each year.
Imagine being comfy year-round at home without feeling guilty every time you switch on the air-con.
Pair your Seniors Card discount with other simple energy-saving tricks, like running appliances off-peak or upgrading to LED bulbs, and you’ll find the savings stack up.
It’s worth checking with your energy providers every year, because new seniors’ deals and rebates pop up regularly. A quick phone call can be the difference between an inflated bill and a nice little buffer in your bank account.
Discounts at the movies
Going to the cinema feels like a treat, but with a Seniors Card, it doesn’t have to be an expensive one. Most major cinema chains offer significant discounts on ticket prices, sometimes slashing the cost in half. Many also run special seniors screenings during the day with complimentary tea and coffee.
It’s a perfect outing for catching up with friends, escaping the heat or rain, or just indulging in the magic of the big screen without denting your wallet. If you love a blockbuster, you can see it on opening week without worrying about the price tag. And if you prefer arthouse or independent films, boutique cinemas often also get on board with seniors pricing.
When you add popcorn and choc tops at concession rates too, a day at the movies becomes one of the simplest, cheapest pleasures you can enjoy with your card.
Cheaper entry to cultural events and attractions
Australia’s galleries, museums, theatres and concert halls often offer reduced ticket prices for Seniors Card holders. That might mean a few dollars off entry at your state art gallery or significant savings on a season subscription to the theatre.
These discounts make cultural life more accessible, meaning you can dip into the richness of Australia’s arts and history scene more often. It’s also a great way to treat visiting family and grandkids.
Many smaller, regional galleries and heritage sites participate too, so your card is useful well beyond the capital cities.
Retail and dining offers
Domestic travel deals
Your Seniors Card unlocks a world of discounted fares on domestic flights, trains, buses and even cruises. For example, Great Southern Rail often has special offers for seniors wanting to take the Indian Pacific or The Ghan – bucket list trips at a fraction of the full fare. Princess Cruises also offers a seniors discount on select sailings (they also have a cashback offer through Citro Rewards – win, win).
State-based coach services may also discount intercity or regional tickets, making it easier to visit family or explore a new part of Australia without driving. Check your state’s Seniors Card website for the latest deals as these tend to change regularly.
The beauty of these deals is that they make travel more spontaneous; you don’t need to think twice about booking a last-minute escape when the fares are manageable. For those who love to roam, the Seniors Card is like a passport to more adventures on home soil.
Save on fuel
Most United service stations will give NSW, SA, VIC and WA Seniors Card holders a 4c per litre discount on fuel purchases.
You’ll need your Seniors Card number to sign up for a separate United discount card – they offer a digital version as well as a physical card. Go here to sign up:
NSW Seniors Card
SA Seniors Card
VIC Seniors Card
WA Seniors Card
Cheaper prescriptions and health services
One of the most practical benefits of your Seniors Card is reduced costs on health essentials. Many allied health professionals – like optometrists, physiotherapists, chiropractors, dietitians and podiatrists – will offer a discount if you show your Seniors Card. Optometrists often provide free eye tests for seniors, and many extend discounts to prescription lenses, frames and contact lenses.
Some even run “two-for-one” offers exclusively for seniors, which is handy if you like a spare pair of reading glasses ready for when you ’ ve misplaced your usual pair (you checked the top of your head, yes?).
Pharmacists may also provide discounted over-the-counter products when you present your card. To get discounts on prescription medicines under the Pharmaceutical Benefits Scheme (PBS), you need a specific federal government concession card, such as the Commonwealth Seniors Health Card (CSHC), the Pensioner Concession Card (PCC), or a Health Care Card.
Staying on top of your health has lifelong rewards, and the Seniors Card helps you keep costs manageable while doing it.
Access fun competitions
Seniors Card holders in most states can enter various competitions and prize draws throughout the year. You can win vouchers, event tickets and prize packs.
For example, NSW Seniors Card also offers the Seniors’ Stories writing competition in collaboration with Fellowship of Australian Writers NSW. It’s only for NSW Seniors Card holders, but there might be similar writing competitions in other states, so check on the relevant websites listed above.
WA Seniors Card runs monthly competitions, giving away things like passes to the movies, theatre and local events. SA Seniors Card has a similar competition program called WeekendPlus.
Also check out: Citro’s free daily puzzles and games
Spend less on groceries
Yes, even your weekly shop can be kinder on your budget with a Seniors Card. Some independent grocers offer designated seniors discount days – usually midweek – where you’ll save a set percentage off your total bill. It’s a great incentive to do your shopping when stores are quieter too, making the whole experience less stressful.
Coles and ALDI don’t have anything specific on offer for Seniors Card holders, but Woolworths comes to the party: Seniors Card holders can receive a 5% discount on Woolworths WISH eGift Cards. You can often get cashback on your shopping through Citro Rewards as well, so do check for offers before you do your grocery shopping because you can often ‘stack’ your savings.
Groceries are one of the biggest ongoing expenses in most households, so trimming that bill even slightly can make a noticeable difference to your budget.
Cheaper phone and internet plans
Staying connected to friends, family and the wider world is easier when your monthly phone and internet bills are lighter.
Many telcos offer seniors plans that include generous call allowances, plenty of data and lower monthly fees. Some even bundle in extras like unlimited calls to standard numbers or cheaper international call rates – a particular win if you ’ ve got family overseas.
The savings can easily add up to hundreds a year, and often the plans are designed to be simpler, with less fine print and fewer hidden extras. That means you get the services you actually need without paying for things you don’t. With a Seniors Card, you can make the most of these special deals and keep your digital life humming along without the bill shock.
Discounts on utilities and council rates
Many local councils offer reduced rates or rebates for Seniors Card holders, knocking a decent sum off annual bills. Water authorities and utility companies sometimes do the same, offering concessions on fixed service charges or usage.
The process to apply is usually straightforward – fill in a form online or provide your card details on your next bill – and the savings can often be hundreds of dollars each year. For homeowners, this means less financial stress in keeping your household humming.
For renters, it can mean reduced service fees.
Either way, it’s one of those behind-the-scenes benefits that makes daily life more manageable and frees up your money for things that bring more joy.
Cheaper insurance premiums
Insurance isn’t glamorous, but it’s essential and it’s often a hefty line item in the budget. Many insurers recognise the reliability of older Australians and offer seniors discounts on policies like car, home, health and even travel insurance. Buy your policies via Citro Rewards and you can get bonus cashback on eligible policies too.
It’s worth shopping around each year and asking directly if a Seniors Card discount is available. Sometimes the saving isn’t advertised, but insurers will apply it if you ask. With premiums on the rise across the board, a 10-20% discount can really make a big difference.
Staying well-insured is part of financial peace of mind, and your Seniors Card is a tool that might help you do that without breaking the bank.
Holiday park and camping discounts
If you love hitting the road with the caravan, pitching a tent or booking a cabin, your Seniors Card is often a ticket to cheaper stays. Many holiday parks and camping grounds across Australia offer discounts to seniors, sometimes up to 20% off nightly rates. That makes a week by the beach or a month-long lap around the country far more affordable. Smaller family-owned parks often participate too, so you ’ re supporting local businesses while you save money.
Stack these discounts with Citro Rewards cashback from places like Expedia, Booking.com, Traveloka, Luxury Escapes and Accor Hotels. Just remember to book your travel via Citro Rewards to take advantage of cashback offers.
Special deals on fitness and recreation
Staying active is one of the best things you can do for your health, and your Seniors Card makes it easier. Many gyms, swimming pools and fitness centres offer reduced membership or entry fees for seniors.
Councils often run programs specifically for older adults – think yoga, aqua aerobics, tai chi or walking groups – often at substantially discounted rates. Sporting clubs and golf courses may also offer seniors memberships, so you can stay connected socially while keeping fit.
If fishing is more your thing, in some states your Seniors Card means you can throw a line in for free. This applies to all cardholders in Victoria, Queensland and in NSW if you ’ re over 70. Your card will still get you a concession rate in Tassie, Western Australia and South Australia. The ACT and NT don’t charge for fishing anyway.
As well as the money benefits, these discounts are an invitation to keep your body moving and your mind sharp. Knowing you ’ re paying less makes it easier to stick to healthy habits, and it helps turn fitness into a lifestyle rather than a chore. Wouldn’t that be nice…
Find an affordable new companion
If you don’t currently have a furry friend but really want one, the RSPCA NSW offers Seniors Card holders a 50% discount when you adopt one of their ‘golden oldie’ animals. There’s also an ongoing 10% discount at all RSPCA NSW vets.
Your new dog or cat might have a few runs on the board, but that’s not something we worry about around here, right? It’s the perfect set up: a new-old pet in the prime of their life to bring joy to yours.
Discounts on pet and vet services
Your new furry buddy can be expensive, but your Seniors Card can help here too. Some vets offer lower consultation fees or discounted vaccinations for seniors. Plus, councils often provide reduced pet registration fees when you show your Seniors Card, saving you money every single year.
Show your card when you shop for pet supplies too –many stores will knock a percentage off food, toys and bedding. Just remember to buy through Citro Rewards so you can get eligible cashback on top of the discounted prices. Citro Rewards also offers cashback on pet insurance, so protecting your beloved pet costs a bit less, too.
For so many of us, pets are family, so it’s a relief to know their care is a little easier to afford.
18
Cheaper haircuts and personal services
It’s not always shouted about, but plenty of hairdressers, beauty salons and even nail bars offer special seniors pricing. A discounted haircut every six weeks adds up to big savings over a year, and it means you don’t have to put off a trim or a colour because of the cost. Some barbers run dedicated seniors' days with even bigger bargains, turning your haircut into a social outing as well as a spruce-up.
Beyond hair, you’ll often find discounted treatments like massages or facials, if you ask. It’s one of those lifestyle perks that helps you feel good about yourself without denting your budget.
Travel insurance deals
If you ’ re planning a holiday, travel insurance is non-negotiable, but it can be pricey. Seniors Card holders are often eligible for special policies that cater to older travellers, with competitive premiums and fewer exclusions.
Some providers offer flat-rate discounts, while others give bonus inclusions like cover for pre-existing conditions. For domestic trips, you may even find insurers offering bundle discounts when you book transport and cover together.
This is one of those benefits you’ll really notice when you travel more often – a saving on every trip quickly stacks up to serious money. It also means you can explore further afield knowing you ’ re covered without paying over the odds.
Bonus tip: Use Citro Rewards to take advantage of generous cashback offers from insurers like Butter Insurance or Freely.
Discounts on learning and education
Who says learning is just for the young? Certainly not us!
Many universities, community colleges and adult education centres offer discounted course fees for seniors. That could mean finally taking that photography course, joining a creative writing class or brushing up on your computer skills. Trust us, there is no greater delight for grandparents than showing their grandkids how technology works.
Online platforms sometimes offer seniors pricing too, so you can learn at your own pace from home. Remember, education isn’t just about gaining knowledge. It’s also a powerful way to stay mentally active, meet new people and spark joy through hobbies and interests.
Your Seniors Card makes lifelong learning more affordable, reminding us all that curiosity doesn’t retire when we do.
Thanks for reading
Thanks for hanging out with us to explore all the clever ways your Seniors Card can save you money.
The secret now is to keep it handy and use it often. Ask at the counter, flash it at the chemist, check your state’s website for fresh offers – you’ll be surprised how quickly the savings add up.
And here’s a pro tip: stack those perks with Citro Rewards for cashback on shopping, travel and insurance. Extra money back = extra joy.
