The NSW Seniors Card - Everything You Need to Know

Our guide to the NSW Seniors Card including the benefits it provides, eligibility requirements and how you could apply for one.

Introduced by the NSW Government in 1992, the Seniors Card offers NSW permanent residents who are 60 or older (and meet certain criteria) discounts on goods and services, cheaper public transport, holidays and in some cases, cheaper utilities. The card’s website bills it as a way for older citizens to live “healthier, happier, more active and affordable lives in retirement”.

According to the NSW Government, approximately 90% of seniors in the state hold one and over 5,600 companies are partners of the program (as at February 2018).

If you’re comparing Superannuation funds, the comparison table below displays some of the products currently available on Canstar’s database for Australians aged 30-39 with a balance of up to $55,000, sorted by Star Rating (highest to lowest), followed by company name (alphabetical). Use Canstar’s superannuation comparison selector to view a wider range of super funds.

Fee, performance and asset allocation information shown in the table above have been determined according to the investment profile in the Canstar Superannuation Star Ratings methodology that matches the age group you selected.

What does the NSW Seniors Card offer?

The NSW Seniors Card entitles holders to a whole slew of benefits, including discounts at participating stores and cheap public transport via the gold Opal card.

What kind of discounts does a NSW Seniors Card get you?

Some of the more notable businesses that offer discounts to card holders include Woolworths, AGL and Vodafone.

You can search for discounts by postcode on the NSW Seniors Card website here, and you can download discount directories for each of NSW’s five regions here. The regions are:

A NSW Seniors Card may also entitle you to ‘reciprocal benefits’ in other Australian states, meaning you may be able to use your card around the country at participating businesses.

What’s a Gold Opal card?

Opal Cards are pre-paid smart tickets used to pay for public transport in NSW, similar to Queensland’s go card, Victoria’s myki, and WA’s SmartRider.

Travel costs booked using the Gold Opal card are half the regular adult fares and capped at $2.50 a day.

Who is eligible for a NSW Seniors Card?

You may be eligible for a NSW Seniors Card if you:

  • Are 60 or older
  • Are a permanent resident of NSW
  • Don’t do more than 20 hours of paid work a week (on average, calculated annually)
  • Hold a valid green Medicare card

How do I apply for a NSW Seniors Card?

If you meet all of the above requirements, you can apply online for a NSW Seniors Card here. The process is relatively straightforward and doesn’t require any complex details other than those displayed on your Medicare card.

While having a NSW Seniors Card could help you save money in retirement, it’s still important to think about how your super may help support you during this period. You can compare different super funds with Canstar to find the best one for you.


About James Hurwood

James HurwoodJames is a Finance Journalist at Canstar and has a wealth of experience when it comes to unpacking and explaining the minutiae of personal finance. He started at Canstar in 2013 as a student while completing a Bachelor of Journalism majoring in Media & Communications at QUT and has since transitioned into a full-time writer. He has a particular passion for the subject of superannuation and is ‘invested’ in making it as engaging and accessible a topic as possible for Australians of all ages, but particularly other young people. James is currently saving for his first home, and spends much of his spare time hitting either drums or boxing bags.

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