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Concession cards

List of the top concession cards low income for students, pensioners

Australia and New Zealand (ANZ)

ANZ Bank

ANZ First

$0 Annual FeeSuperscript: in the first year

Complimentary insurances

$30 Annual Fee

Up to 3 additional cardholders

Bank of Melbourne

Bank of Melbourne

Concession Account

$0 account-keeping fee

$0 dishonour & overdrawn fees

$0 ATM fees

St. George Bank

Concession Account

$0 account-keeping fee

$0 dishonour & overdrawn fees

$0 ATM fees

Westpac Bank

Westpac Bank

Concession card holders

$0 Account-Keeping Fee

Online banking guarantee

Access cash via the app

Video Guide

Useful video Play

What is a bank concession card?

A bank concession card typically refers to a card issued by a bank that provides specific financial benefits or concessions to eligible customers. These cards are often associated with accounts or products offered by banks and are designed to provide discounts, fee waivers, or other benefits to certain groups of customers.

How do I apply for bank concession cards? Can I apply online?

Applications are usually submitted through the bank's website, branch, or customer service channels. Applicants may need to provide supporting documents to verify eligibility.

Eligibility criteria vary depending on the type of concession card. For student cards, applicants typically need to provide proof of enrollment in a full-time study program. Seniors may need to meet age and income criteria, while health care-related cards require eligibility for specific government concessions.

What are concession card for disabled (low income cards)?

Concession cards for disabled individuals provide access to various discounts and benefits to help manage living costs and healthcare expenses. These cards are issued by the Australian Government and are aimed at supporting individuals with disabilities or long-term medical conditions (Pensioner Concession Card (PCC), Health Care Card).

What is a dentist concession card?

In Australia, there isn't a specific "dentist concession card" as such. However, eligible individuals who hold certain concession cards issued by the Australian Government, such as the Pensioner Concession Card (PCC) or Health Care Card, often receive concessions on dental services through various schemes and programs.

What are taxi or transport concession cards?

A Taxi Concession Card in Australia provides eligible individuals with subsidized taxi fares, making transportation more affordable for those who might have difficulty using public transport due to age, disability, or other mobility

A Transport Concession Entitlement Card in Australia is a card that grants eligible individuals access to reduced fares and other travel concessions on public transport. These cards are generally aimed at students, job seekers, and other groups who meet specific criteria, helping to make travel more affordable.

You can also place free funds on a savings account.

Calculate your future income on a savings account (example): 

Amount, $ Rate, % Accrued %, $
25,000 3.40% 850
25,000 3.45% 863
25,000 3.50% 875
60,000 3.55% 2,130
60,000 3.60% 2,160
60,000 3.65% 2,190
120,000 3.70% 4,440
120,000 3.75% 4,500
120,000 3.80% 4,560
240,000 3.85% 9,240
240,000 3.90% 9,360
240,000 3.95% 9,480

How do I apply for a concession card?

To go for a concession card in Australia, such as a Pensioner Concession Card (PCC), Health Care Card, or other government-issued concession cards, you generally need to follow these steps:

1. Determine Your Eligibility. Before applying, ensure you meet the eligibility criteria for the specific concession card you wish to apply for.

2. Gather Required Documentation. Prepare the necessary documentation to support your application. This typically includes:

  • Proof of identity (e.g., passport, birth certificate)
  • Proof of residency in Australia (e.g., utility bills, lease agreements)
  • Income details (e.g., payslips, Centrelink statements)
  • Any other documents specific to your eligibility criteria (e.g., medical certificates for health-related concessions)

3. Apply Online or In-Person. Many concession card applications can be completed online through the Services Australia website (formerly Centrelink). You will need to create or log in to your myGov account and follow the prompts to apply for a concession card.

If you prefer to apply in person or require assistance with your application, visit a Services Australia Service Centre. Bring all necessary documents with you for verification.

4. Fill out the application form accurately and completely. Provide all required information and ensure that any supporting documents are attached or uploaded as instructed.

5. Submit your completed application form and supporting documents either online or in person at a Services Australia Service Centre. If applying online, follow the instructions to submit your application electronically.

6. Services Australia will process your application and assess your eligibility based on the information provided.

7. You will receive your concession card by mail at the address provided during the application process. Ensure you activate your card according to the instructions provided.

See the similar FAQs about Australian banks: 

Details of companies offering the financial services:

ANZ Bank

Head office’s address: 833 Collins Street

Contact center: 13-13-14

Phone: 61-3-9683-9999

Mail address: 833 Collins Street Docklands, Melbourne

Web-site: http://www.anz.com

Swift code: ANZBAU3M

Financial institution code: ANZ

Stock code: ANZ

ABN: 11 005 357 522

BSB: 015-891

Bank of Melbourne

Head office’s address: 525 Collins Street

Contact center: 61-132266

Phone: 61-3-9982-4186

Mail address: 525 Collins Street Melbourne

Web-site: https://www.bankofmelbourne.com.au/

Swift code: SGBLAU2S

ABN: 33 007 457 141

BSB: 193-879

St. George Bank

Head office’s address: 275 Kent Street

Contact center: 13-33-30

Phone: 61-2-9553-5333

Mail address: St.George Bank Locked Bag 1 Kogarah NSW 1485

Web-site: http://www.stgeorge.com.au/

Swift code: SGBLAU2S

Financial institution code: STG

Stock code: SGB

ABN: 33 007 457 141

BSB: 112-908

Westpac Bank

Head office’s address: 275 Kent Street

Contact center: 13-20-32

Phone: 61-2-9155-7700

Mail address: 275 Kent Street, Sydney, NSW

Web-site: https://www.westpac.com.au/

Swift code: WPACAU2S

Financial institution code: WBC

Stock code: WBC

ABN: 33 007 457 141

BSB: 032-063