retirementcalculators.com.au/health-care-cards/eligibility-calculator/

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Which Health Care Card am I eligible for?

There are three different health care concession cards in Australia — and the rules for each are quite different. This calculator screens your eligibility for all three at once. Answer a few questions below and we'll tell you which cards you may qualify for.

📋 Before you start, have these handy

Deemed income figure — if you have any financial assets (bank, term deposits, shares, super if you're over Age Pension age), use the Deeming Calculator first to work out your fortnightly deemed income.
Payslips for the last 8 weeks — if you (or your partner) earn wages or self-employment income.
Estimate of your annual other income — rental income (net of expenses), defined benefit or private pension drawdowns, foreign pensions, trust distributions, or business income.
Adjusted Taxable Income (ATI) — from your most recent tax return / notice of assessment, if you're aged 67+ and self-funded.

Don't worry if you don't have all four — leave any boxes blank that don't apply to you.

The three cards in 30 seconds

Card	Who's it for?	Income limit (current)
Pensioner Concession Card (PCC)	Anyone receiving Age Pension, DSP, Carer Payment, or certain other Centrelink payments	Issued automatically — no separate income test
Low Income Health Care Card (LIHCC)	Lower-income Australians of any age (including under 67) not receiving a pension	Single: $811/wk · Couple: $1,385/wk
Commonwealth Seniors Health Card (CSHC)	Self-funded retirees aged Age Pension age (67) who don't receive a pension	Single: $101,105/yr · Couple: $161,768/yr

Check your eligibility

A few quick questions

Don't worry about exact figures — rough estimates are fine. We'll never store or share what you enter.

1. Are you currently receiving a Centrelink payment? Includes Age Pension, Disability Support Pension (DSP), Carer Payment, JobSeeker Payment, and Parenting Payment. Family Tax Benefit and Commonwealth Rent Assistance don't count for this question.

Yes, an Age/DSP/Carer/etc. pension Yes, a non-pension payment (JobSeeker, etc.) No, none

2. What's your age? If you're part of a couple, your own age (not your partner's).

years

3. What's your relationship status? A "couple" means a married, de facto, or registered partnership where you're not separated. If illness has caused you to live apart, choose "separated due to illness".

Single Couple Separated due to illness

4. How many dependent children do you care for? Children under 16, or under 22 and in full-time study. Each adds $34/week to the LIHCC income limit.

children

5. Deemed income (from the Deeming Calculator) Enter the fortnightly deemed income figure from the Deeming Calculator. Couples: use your combined figure.

$ /fn

6. Wages, gross, last 8 weeks (from payslips) Add up the gross wages or self-employment earnings from your last 8 payslips. Couples: combine both partners' wages.

$ last 8 weeks total

7. Other income (annual estimate) Add up the yearly amount you receive from rental income (net of expenses), defined benefit or private pension drawdowns, foreign pensions, trust distributions, or business income. Do NOT include wages or deemed income (those are above). Couples: combine both partners.

$ /yr

8. Adjusted Taxable Income (from your tax return) Find this on your most recent tax return / notice of assessment. Couples: combine both ATIs. Skip this box if you're under 67 or if you don't have a recent tax return — we'll estimate it from your other entries.

$ /yr

Please complete the required questions above (relationship status and pension status).

Where to next?

Beyond Health Care Cards

If you're checking concession card eligibility, you might also be eligible for the Age Pension itself — or there may be ways to restructure to qualify.

How Much Age Pension?

Run both means tests and see your fortnightly entitlement.

Check Age Pension →

Latest Indexation Impact

How the most recent rate changes affected pensions and CSHC limits.

See the impact →

Talk it through 1:1

Book a coaching call to map out your concession options.

Book a call →

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 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.

Disclaimer: This calculator screens for eligibility based on Centrelink's headline rules for the Pensioner Concession Card, Low Income Health Care Card (LIHCC), and Commonwealth Seniors Health Card (CSHC). It does not check residency, Australian citizenship, or specific qualifying-payment categories — you must satisfy those separately. The LIHCC test is based on the most recent 8 weeks of household income and CSHC uses your Adjusted Taxable Income; if your income fluctuates, your actual eligibility may differ. This is general information only and does not constitute personal financial advice. Always confirm with Services Australia before relying on a result.

Centrelink data current as of 20 March 2026 (LIHCC) / 20 September 2025 (CSHC). Page last reviewed: 8 May 2026.