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NSW Concessions Guide
State concessions for health care card holders in New South Wales
This guide covers the main concessions available to Pensioner Concession Card (PCC), Health Care Card (HCC), and DVA card holders in New South Wales. Each concession has its own eligibility rules and caps.
1. Motor Vehicle Registration
- BenefitFree registration on one vehicle
- IncludesRegistration fee and motor vehicle tax
- ExcludesCompulsory Third Party (CTP) insurance - you still pay this
- LimitOne vehicle per eligible person
⚠️ Eligibility Note
Free vehicle registration in NSW is for those receiving Age Pension, Disability Support Pension, or Carer Payment. Holding a Pensioner Concession Card alone doesn't qualify you - you must be receiving one of these payments. LIHCC, HCC, and CSHC holders are not eligible.
2. Energy Concessions
- BenefitFixed annual rebate on electricity bills (indexed)
- How to applyRegister your card with your electricity retailer
- BenefitFixed annual rebate on gas bills (indexed)
- How to applyRegister your card with your gas retailer
ℹ️ Additional Energy Rebates
NSW also offers:
- Medical Energy Rebate - for those using approved medical equipment at home
- Life Support Energy Rebate - for those using life support equipment
3. Council Rates
- BenefitMandatory minimum reduction (councils may provide more)
- AdditionalCouncils may offer additional discretionary relief
- How to applyContact your local council
4. Water
- BenefitFixed annual rebate
- AdministratorPaid via water authority or council
- How to applyContact your water provider
5. Public Transport
- Daily capLow daily maximum fare
- Weekly capLow weekly maximum fare
- CoversTrains, buses, ferries, and light rail
- How to applyApply at a Service NSW centre or online
6. Ambulance
- NSW situationNo automatic free ambulance cover for concession holders
- OptionsPrivate health insurance or ambulance subscription
- DVA holdersDVA Gold Card holders are typically covered
⚠️ Important: Ambulance Cover in NSW
Unlike Victoria and Queensland, NSW does not provide automatic free ambulance cover for PCC holders. You may wish to consider ambulance cover through private health insurance or NSW Ambulance membership.
7. Other NSW Concessions
Additional concessions may be available for eligible cardholders:
- Free driver licence
- Discounts at National Parks
- Discounts on various government services
More Information
For details on health care card types, see our guides.
Accuracy Note: Whilst every effort has been made to provide current and accurate information, I am only one person and there's a very good chance that I'll miss something. If you spot a factual error, or if a calculator breaks or gives incorrect answers, I'd be really grateful if you could let me know via the Contact Us page so I can fix it ASAP.
It would speed up the correction process enormously if you could cite for me the title of the page where you find the error and describe what the error is. Thanks heaps for your support in keeping this valuable resource up to date for everyone's benefit.
Last reviewed: January 2026