
In Australia, you may be eligible for a Health Care Card if you are a low-income earner, a foster carer, or caring for another person's child, including a relative's child. You can also get a Health Care Card if you receive specific payments or supplements from Services Australia, such as the maximum rate of Family Tax Benefit Part A. If you are eligible, you don't need to apply for the card as Services Australia will automatically send it to you by post. However, for certain types of Health Care Cards, such as the Low-Income Health Care Card, you may need to meet specific income requirements and renew your card annually.
| Characteristics | Values |
|---|---|
| Who issues the card | Services Australia |
| Who is eligible for the card | Low-income earners, foster carers, carers for someone else's child, people on the maximum rate of Family Tax Benefit Part A, people who meet the criteria for Commonwealth Seniors Health Card, people eligible for concession cards from the Department of Veterans' Affairs |
| How to apply | No need to apply; if eligible, the card will be posted to you |
| Validity | One year |
| Renewal | Automatic renewal if eligible; need to renew manually if eligibility criteria change |
| Benefits | Cheaper prescription medicines under the Pharmaceutical Benefits Scheme, cheaper doctor visits if the doctor bulk bills |
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What You'll Learn

Eligibility criteria for Low Income Health Care Card
The Low Income Health Care Card is a concession card that enables the holder to access cheaper healthcare and some discounts if they have a low income. This includes cheaper prescription medications, bulk-billed doctor visits, concessional medical services, and dental and optical concessions.
To be eligible for a Low Income Health Care Card, you must meet certain income and residence rules. Your gross, pre-tax income in the eight weeks before you submit your claim must be below the limit specified for your situation. This includes any deemed income from the sale of your principal home if you intend to purchase, build, or renovate another, as well as income from income stream products like super pensions. You must also requalify every twelve months.
If you are a foster carer or caring for another person's child, including a relative's child, you may be eligible for a Health Care Card. This card is issued in the name of the child in your care and is automatically reissued every twelve months, subject to continued eligibility. Foster carers must also meet residence requirements.
To apply, you will need to provide proof of income, identity, and residency, either online or at a local Centrelink office. You will need to link Centrelink to your myGov account if you don't have one already.
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How to claim a Commonwealth Seniors Health Card
To claim a Commonwealth Seniors Health Card, you must meet certain criteria. Firstly, you need to be of Age Pension age, and you cannot get this card if you are receiving any other form of payment. You must also meet an income test and residence rules to be eligible for the card.
To claim the card, you need a myGov account linked to Centrelink. If you don't have a myGov account, you can create one by going to the myGov website and selecting "Create an account". You will then need to read and agree to the Terms of Use, enter your email address, and confirm your email address using a code that will be sent to you. You must ensure that your email address is unique and not used for any other myGov accounts. You can then enter your mobile number, create a password, and answer three secret questions. Once your myGov account is created, you can link it to Centrelink using your Centrelink Customer Reference Number (CRN).
You may need to provide supporting documents for your claim, and you will be contacted if more details are required. If eligible, the card will appear in your digital wallet in the Express Plus Centrelink mobile app, and a physical card will be posted to you. If your claim is rejected, you will be notified by a letter to your myGov Inbox or by mail if you do not receive electronic letters. If you disagree with the decision, you can call the Older Australians line and request a review.
Note that your Commonwealth Seniors Health Card will be valid for one year. If you remain eligible, a new card will be sent to you annually in August without any further action required on your part.
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Who can get a Foster Child Health Care Card
In Australia, you don't need to apply for a Health Care Card. If you are eligible, Services Australia will post the card to you. The type of concession or health care card you can get depends on your situation.
To be eligible for a Foster Child Health Care Card, you must be a foster carer or caring for someone else's child, and the foster child must live with you as long as you hold this card. Foster care can be both formal and informal care arrangements. The card is valid for one year, and if you remain eligible, you don't need to do anything. Services Australia will send you a new card each year when the current one expires.
If a foster child leaves your care and the child still requires a Foster Child Health Care Card, the new foster carer will be required to claim for that foster child. A foster child who is not in the care of an Australian resident or residing in an Approved Care Organisation may be able to claim their own Low-Income Card.
This card entitles the child in your care to cheaper medicines under the Pharmaceutical Benefits Scheme.
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What a concession card covers
In Australia, concession cards can give you access to discounts and benefits from the Australian Government and some private businesses. The two main types of concession cards for retirees are the Pensioner Concession Card (PCC) and the Commonwealth Seniors Health Card (CSHC). Each card has different eligibility criteria and benefits.
If you are eligible for the Government Age Pension, then you are eligible for the Pension Concession Card. If not, you may still qualify for the Seniors Health Card. Depending on the card you are eligible for, you could save on your doctor's bill and medications, with an extra discount under the Pharmaceutical Benefits Scheme (PBS). You could also enjoy lower out-of-pocket costs for medical services above the Medicare Safety Net.
The Pensioner Concession Card can help with the cost of health care, medicines, and some other costs. You don’t need to apply for a card; it will be posted to you if you get an eligible payment.
The Commonwealth Seniors Health Card can help with the cost of health care and medicines and give you access to other discounts. If you’ve reached Age Pension age and you’re not eligible for a PCC, you may be able to get a CSHC.
Additionally, the Department of Veterans’ Affairs has a concession card for eligible individuals. Concessions are available to help with the cost of living and money management.
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How to renew your Health Care Card
If you have a Low Income Health Care Card, you need to renew it every 12 months. You will be notified when your card is close to expiry, and you will need to provide evidence of your income and any changes to your circumstances in the renewal period.
You can renew your card online using myGov by signing into your Centrelink online account. Your details will already be displayed in the form, so you only need to update any information that has changed. Alternatively, you can renew your card by filling out the form that is sent to you.
If your card is lost, stolen, or damaged, you can request a replacement card through myGov if you have Medicare linked to your account. If you don't have a myGov account, you can create one and link it to Medicare. You can also add someone over 15 years old to your Medicare card through your Medicare online account on myGov. For children under 15, parents and guardians need to complete a form.
Please note that the Low Income Health Care Card is not the only type of Health Care Card. For example, there is also a Foster Child Health Care Card for people aged 16 to 25 who meet certain criteria. This card is automatically issued every 12 months if eligibility continues.
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Frequently asked questions
No, you don't need to apply for a health care card. If you're eligible, Services Australia will post a card to you.
You may be eligible for a Health Care Card if you are a foster carer, or caring for another person's child, including a relative's child. You may also be eligible if you are a low-income earner and meet the income test.
Your card is valid for one year. If you remain eligible, you don’t need to do anything and a new card will be sent to you automatically.
You can use your health care card to get cheaper medicines under the Pharmaceutical Benefits Scheme. You may also use your card if your doctor bulk bills for visits.











































