The Commonwealth Seniors Health Card (CSHC) is a senior’s health care card supplied by the federal government through Centrelink. It helps discount the cost of some prescription medications and provides access to bulk-billed doctor visits, plus additional concessions from state and local governments like cheaper public transport.
You’ll need to meet some eligibility criteria to receive a CSHC, including being over a certain age and earning income under a set annual threshold.
You may also be eligible for a low income health care card or a seniors card from your state or territory government which can be held in conjunction with the CSHC.
The Age Pension age, or retirement age, is the age where you can claim the Age Pension (subject to your eligibility). The CSHC uses the retirement age when establishing eligibility; your retirement age depends on when you were born.
|Birth year||New pension age||Date of implementation|
|1 July 1952 – 31 December 1953||65 years and six months||1 July 2017|
|1 January 1954 – 30 June 1955||66 years||1 July 2019|
|1 July 1955 – 31 December 1956||66 years and six months||1 July 2021|
|1 July 1957 and onwards||67 years||1 July 2023|
|Source: Age Pension: Who can get it. Services Australia. Last updated August 2022|
There are two ways you can apply for the CSHC. You can:
You can view the Department of Human Services guide to getting a CSHC card here to learn more about getting a CSHC.
No, the CSHC is not the same as the Pension Concession Card. However, they’re both provided by Centrelink and grant similar benefits such as cheaper medicine, health care and additional discounts.
The Pension Concession Card is available to Australians receiving the aged pension from the government, while the CSHC is for those who don’t receive a pension or hold a pension concession card.
Yes, if you hold a CSHC, you may receive discounts on several other costs, though these differ between states and local council areas. You could receive discounts for:7
Should your personal details change, such as your relationship status, address or income, then you’ll need to contact Centrelink to update your details.
1 Commonwealth Seniors Health Card: Who can get it. Services Australia. Last updated March 2022.
2 Pharmaceutical Benefits Scheme: PBS Safety Net thresholds. Services Australia. Last updated July 2022.
3 Commonwealth Seniors Health Card: Income test. Services Australia. Last updated July 2022.
4 Commonwealth Seniors Health Card: What adjusted taxable income is. Services Australia. Last updated March 2022.
5 Commonwealth Seniors Health Card: Deeming. Services Australia. Last updated March 2022.
6 Age Pension: Who can get it. Services Australia. Last updated August 2022.
7 Commonwealth Seniors Health Card: Benefits. Services Australia. Last updated May 2022.