If you’re a senior living in Australia, 2025 may bring major savings through the Commonwealth Seniors Health Card (CSHC).
This government-issued concession card helps older Australians who are not receiving the Age Pension but still need support with healthcare and cost-of-living expenses.
With new income limits introduced this year, more Australians than ever may now be eligible. Wondering if you’re on the list? Let’s break it all down.
What Is the Commonwealth Seniors Health Card?
The Commonwealth Seniors Health Card (CSHC) is a free concession card offered to older Australians who meet age and income requirements. It gives you discounts on essential services, like cheaper medicines, potential bulk-billed doctor visits, and concessions on utility bills and transport.
It’s not income support or cash, but the benefits can save you thousands annually if you qualify.
Who Can Apply in 2025?
To be eligible for the 2025 Commonwealth Seniors Health Card, you must meet all of the following:
- Be Age Pension age (currently 67 years)
- Live in Australia and be a permanent resident
- Not receiving any Centrelink income support (like the Age Pension)
- Have adjusted taxable income (ATI) below the new limits
Here are the updated income thresholds for 2025:
| Category | Income Threshold (Annual) |
|---|---|
| Single | Less than $99,025 |
| Couple (combined) | Less than $158,440 |
| Couple (separated due to illness) | Less than $198,050 |
| Extra allowance per dependent child | Add $639.60 |
There is no assets test, so your savings and property won’t disqualify you.
What Are the Benefits?
Holding a CSHC in 2025 means big savings on regular costs. Here’s what you can expect:
- Cheaper prescription medicines under the Pharmaceutical Benefits Scheme (PBS)
- Access to bulk-billed doctor visits (at your GP’s discretion)
- Higher Medicare rebates once you hit the Medicare Safety Net
- Discounts on electricity, gas, water rates, and public transport (based on your state or territory)
- Possible cheaper out-of-hospital medical services, dental care, and ambulance services
These benefits are especially helpful for seniors who don’t qualify for the Age Pension but are still living on a modest income.
How to Apply for the CSHC in 2025
The application process is simple. You can apply:
- Online via myGov by linking your Centrelink account
- Through the Express Plus Centrelink app
- By phone or visiting a Centrelink service centre
You’ll need to provide:
- Proof of identity
- Your Tax File Number (TFN)
- Recent income details, such as tax returns or financial statements
Once approved, the card is sent to your address and valid for one year, with automatic renewals as long as you remain eligible.
Quick Overview
| Feature | Details |
|---|---|
| Age Requirement | 67 years or older |
| Residency | Australian permanent resident |
| Income Limits (Single/Couple) | $99,025 / $158,440 |
| Assets Test | None |
| Main Benefits | PBS discounts, utility concessions, Medicare Safety Net, transport savings |
| Application Method | myGov, mobile app, phone, or in person |
| Renewal | Annual, automatic if still eligible |
The Commonwealth Seniors Health Card 2025 offers huge savings for older Australians not receiving the Age Pension. With increased income limits, more people are now eligible.
If you’re over 67 and earning below the threshold, don’t miss out on benefits that could save you thousands this year. Apply today, check your status through myGov, and make the most of what you’re entitled to.
FAQs
Can I get the card if I still work part-time?
Yes, as long as your adjusted taxable income is under the set threshold.
Does my superannuation count toward income?
Only taxable income is considered, not the value of your superannuation balance.
Can I hold both a CSHC and a Seniors Card?
Yes! They are separate cards, and many seniors qualify for both—doubling your discount potential.