Victoria – VIC Seniors Card

VIC seniors card eligibility

  • 60 or over
  • not working or working less than 35 hours per week
  • permanent resident of Victoria

 

VIC mainstream concession card benefits p.a.

Benefit type

Pensioner Concession Card – PCC

Low Income Holder Concession Card – LIHCC

Commonwealth Seniors Health Card – CSHC

Seniors

Council rates

Up to $260

–

–

–

Water

Up to $363

Up to $363

–

–

Electricity

$402¹

$402¹

–

–

Gas

$177²

$177²

–

–

Car Registration

$453³

$167³

–

–

Value

$1,655

$1,109

 

–

¹ Victorian Health and Human Services department example, $100.62 off $672 quarterly bill.
² Victorian Health and Human Services department example, $88.54 off $580 quarterly bill (only available for charges between 1 May and 31 October).
³ 3000 postcode, includes Transport Accident Charges (TAC).

Concession cards value

From the mainstream state benefits listed above, the PCC can be worth $546 p.a. more than the LIHCC due to council rates and TAC discounts.

The LIHCC can be worth $1,109 p.a. more than the CSHC due to water, gas, electricity and car registration discounts.

One large benefit of the PCC, LIHCC and CSHC in Victoria is the one-off Pensioner stamp duty concession. Homes bought for $600,000 or less receive a full exemption (the maximum concession is $31,070 for $600,000 purchases). The concession scales down for homes valued from $600,001 to $750,000 where it ceases. First home buyers will need to choose to receive the pensioner duty exemption/concession or the duty benefits available to first home buyers. They will not be able to get both for the same transaction.

 

Additional state benefits

There are other less common concessions you might benefit from, including but not limited to:

  • non-mains water concession (PCC and LIHCC)
  • excess electricity concessions (PCC and LIHCC) – if electricity bill greater than $4,217.85 p.a. from 1 December 2023.
  • excess gas concession (PCC and LIHCC) – if gas bill greater than $2,499.14 p.a. from 1 May to 31 October 2024.

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