The SuperGold Card 2025 is an essential benefit for New Zealanders aged 65 and over, providing discounts on travel, healthcare, shopping, and essential services. Designed to support retirees and veterans, this government-issued card offers free off-peak public transport, lower costs on medical services, and financial savings across multiple sectors.
Through this article, you will get to know about the SuperGold Card 2025, including eligibility, the application process, benefits, and tips to maximize your savings.
What is the SuperGold Card 2025?
The SuperGold Card 2025 is a free discount and concession card issued by the New Zealand government to seniors aged 65+ and eligible veterans. It provides access to thousands of discounts across transport, healthcare, retail, travel, and financial services.
Unlike many benefits, the SuperGold Card 2025 is not means-tested, meaning all New Zealand residents aged 65 and over qualify, regardless of their income or financial status.
Key Benefits of the SuperGold Card 2025
- Free off-peak public transport on buses, trains, and ferries in most regions
- Discounts on healthcare, dental care, optometry, and prescriptions
- Savings at supermarkets, petrol stations, and retail stores
- Reduced fares for domestic travel, ferries, and accommodation
- Lower fees on insurance, banking, and financial services
SuperGold Card 2025 Eligibility
To qualify for the SuperGold Card 2025, you must:
- Be 65 years or older
- Be a New Zealand citizen or permanent resident
- Live in New Zealand
Automatic Issuance
- If you receive NZ Superannuation or a Veteran’s Pension, you will automatically receive the SuperGold Card 2025 when your pension is approved.
- If your partner is included in your pension application, they will also receive a card.
Manual Application Required
- If you do not receive NZ Superannuation, you must apply manually for the SuperGold Card 2025.
SuperGold Card Apply: Step-by-Step Guide
If you do not automatically receive a SuperGold Card 2025, follow these steps to apply:
Step 1: Get the Application Form
- Online: Download the form from the SuperGold website
- In-Person: Visit a Work and Income service centre
Step 2: Complete the Form
- Provide personal details, including:
- Full name and date of birth
- Proof of New Zealand residency (passport, birth certificate, or utility bill)
- Contact information
Step 3: Submit the Form
- By Mail: Send the completed form to Work and Income
- In-Person: Drop it off at a Work and Income service centre
Processing Time
- The SuperGold Card 2025 is typically issued within 2–3 weeks.
SuperGold Card Benefits in 2025
1. Public Transport Discounts
- Free off-peak public transport (buses, trains, ferries) in most regions
- Auckland: Requires a Gold AT HOP card ($5 fee) for train and ferry travel
- Canterbury: Simply show your SuperGold Card 2025 to the driver
- Waikato, Bay of Plenty & Other Regions: Use a Bee Card with a pre-loaded SuperGold concession
Off-Peak Travel Hours
- Weekdays: 9 AM – 3 PM and 6:30 PM – end of service
- Weekends & Public Holidays: Free all-day
2. Healthcare & Medical Discounts
- Lower prescription costs at participating pharmacies
- Discounts on dental care, optometry, and hearing aids
- Some GPs and medical providers offer reduced fees for cardholders
3. Retail & Grocery Savings
- Senior discounts at supermarkets and grocery stores
- Fuel discounts at participating petrol stations
- Special offers at retailers, clothing stores, and home essentials
4. Travel & Accommodation Discounts
- Reduced fares on Interislander & Bluebridge ferries
- Discounts on domestic flights and rental cars
- Lower rates at hotels and motels across New Zealand
5. Financial & Utility Savings
- Discounts on electricity bills from select providers
- Reduced banking fees and special insurance rates
- Lower home, car, and travel insurance premiums
To view the full list of participating businesses, visit the SuperGold website.
Additional Features of the SuperGold Card 2025
Adding a Photo to Your SuperGold Card
Although the SuperGold Card 2025 is not an official form of ID, adding a photo can be useful for identification.
How to Add a Photo
- Visit an AA Driver & Vehicle Licensing Agent
- Bring three original ID documents (passport, driver’s license, birth certificate)
- Get your photo taken for free
Combining SuperGold with a Community Services Card (CSC)
If you qualify for a Community Services Card (CSC), you can apply for a SuperGold Combo Card, which provides:
- Extra healthcare subsidies
- Lower prescription costs
- Cheaper GP visits
To check eligibility, visit the Community Services Card page.
Lost or Stolen SuperGold Card? How to Get a Replacement
- Call Work and Income: 0800 25 45 65
- Request a replacement online: SuperGold website
- Processing Time: 2–3 weeks (sent via mail)
Can You Use the SuperGold Card in Australia?
- The SuperGold Card 2025 is accepted in Australia at select businesses
- Public transport discounts do NOT apply in Australia
- Some Australian Seniors Cards may be accepted in New Zealand for discounts
FAQs About the SuperGold Card 2025
A1: Yes, there is no cost to apply or renew.
A2: No, the standard card does not expire. However, Combo Cards (with CSC) need annual renewal.
A3: Processing takes 2–3 weeks.
A4: Some individuals with severe disabilities or chronic conditions may qualify early.
Claire Bennett is a seasoned finance writer with over 8 years of experience, specializing in personal finance and investment strategies. She has contributed to top media outlets like Forbes and Business Insider.