Written and reviewed by Mary Benton — Australian financial planner specialising in retirement, practising since 2005. About Mary · How we source our figures
Victorian Concessions Guide | Retirement Calculators

Victorian Concessions Guide

State concessions for health care card holders in Victoria

This guide covers the main concessions available to Pensioner Concession Card (PCC), Health Care Card (HCC), and DVA card holders in Victoria. Each concession has its own eligibility rules and caps.

1. Motor Vehicle Registration

🚗 Vehicle Registration Discount
PCC DVA Gold
  • Discount50% off registration fee and TAC charge
  • LimitOne vehicle per concession card holder
  • RequirementVehicle must be registered in cardholder's name
  • NoteDoes not apply to all ancillary fees
VicRoads Information →

2. Energy Concessions

⚡ Annual Electricity Concession
PCC HCC DVA Gold
  • BenefitPercentage discount on usage charges
  • LimitAnnual cap applies (indexed each year)
  • How to applyRegister your card with your electricity retailer
🔥 Gas Concession
PCC HCC DVA Gold
  • BenefitPercentage discount on usage charges
  • LimitAnnual cap applies
  • How to applyRegister your card with your gas retailer

ℹ️ Additional Energy Supplements

Victoria also offers additional supplements for eligible cardholders:

  • Medical Cooling Concession - for those with medical conditions requiring cooling
  • Life Support Concession - for those using life support equipment at home
  • Controlled Load Concession - for off-peak electricity usage

3. Water and Sewerage

💧 Water Concession
PCC HCC
  • BenefitPercentage discount on service and usage charges
  • LimitAnnual cap applies
  • AdministratorYour local water corporation
  • How to applyContact your water provider with your card details

4. Council Rates

🏠 Council Rates Rebate
PCC only
  • Benefit50% discount on council rates
  • LimitAnnual cap applies
  • RequirementMust be your principal place of residence
  • AdministratorYour local council

⚠️ PCC Only

The council rates rebate in Victoria is only available to Pensioner Concession Card holders. Health Care Card and Commonwealth Seniors Health Care Card holders are not eligible for this concession.

5. Public Transport

🚆 Free Public Transport
PCC HCC
  • BenefitFree travel on Victorian public transport
  • CoversMetro trains, trams, buses, V/Line, and regional buses
  • RequirementVictorian Seniors or Concession myki card
  • How to applyApply for a concession myki at a staffed station or online
PTV Information →

6. Ambulance

🚑 Free Ambulance Cover
PCC HCC
  • BenefitFree Ambulance Victoria membership
  • CoversEmergency ambulance and non-emergency transport (subject to criteria)
  • How to applyRegister with Ambulance Victoria using your card details
Ambulance Victoria →

7. Other Victorian Concessions

Additional concessions may be available for eligible cardholders:

  • Driver licence fee discounts
  • Boat licence concessions (limited cases)
  • Entry discounts at government facilities

Some concessions are automatic, others require separate application. Check with the relevant authority.

More Information

For details on health care card types, see our guides.

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Last reviewed: January 2026

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