Victorian Concession myki (PCC, HCC, DVA Gold)
If you live in Victoria and hold a Pensioner Concession Card, a Health Care Card, or a DVA Gold Card in your own name, the Concession myki gives you a flat 50 percent off every public-transport fare on every train, tram, bus and V/Line service, every day of the week. The discount applies year-round with no peak/off-peak distinction. This page is the rule guide for AU_VIC_CONCESSION_MYKI_PCC_HCC_DVA, rule version 2025-26, effective 1 July 2025, with no top-level expiry.
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Quick Answer
You qualify when both eligibility items hold: state = VIC AND concession_card_type IN [pensioner_concession_card, health_care_card, dva_gold_card, dva_pensioner_concession_card]. The card must be in your own name. Apply in person at a PTV Hub or PTV Premium Station counter by presenting the physical card; the Concession myki is issued at the counter immediately for $6.
You are blocked when the only concession card you hold is a Commonwealth Seniors Health Card (CSHC) - that card unlocks federal benefits but not the Victorian transport concession. You are also blocked when the card is in a partner's or child's name rather than yours, or when the card has expired and Centrelink has not yet renewed it. Special-pathway users (DSP and Carer Payment without PCC) should apply through the dedicated rule AU_VIC_DSP_CARER_CONCESSION_MYKI rather than this rule.
Rate logic summary: the rule's amount.type is eligibility_only with period none. The discount is encoded as a flat 50 percent off the standard adult myki Money or myki Pass fare, applied at every tap-on. Annualised value depends on travel volume - a 5-day-a-week Zone 1+2 commuter saves roughly $1,470 a year, a once-a-fortnight regional bus user saves about $40 a year.
Who can claim
The eligibility block is an all set with two conditions; both must hold at the time of application and at the time of every trip.
- Victorian residency:
state = VIC. The myki product is jurisdictional. The Concession myki is issued only at Victorian PTV Hubs and Premium Stations and works only on the Victorian public-transport network. - Qualifying concession card:
concession_card_type IN [pensioner_concession_card, health_care_card, dva_gold_card, dva_pensioner_concession_card]. Four cards qualify:- Pensioner Concession Card - issued by Services Australia to recipients of Age Pension, Disability Support Pension, Carer Payment, JobSeeker Payment with 60+ continuous-receipt, and several other long-term primary income-support payments.
- Health Care Card - issued by Services Australia to low-income earners and recipients of certain payments. Card-name match is required: a child's HCC does not qualify the parent, and a partner's HCC does not qualify the spouse.
- DVA Gold Card - issued by the Department of Veterans' Affairs. All Gold-card classifications qualify (DVA Gold White, DVA Gold Plus, TPI, EDA, Disability Pension Service Pension).
- DVA Pensioner Concession Card - the DVA-issued PCC, separate from the Services Australia version, issued to certain veterans on Service Pension.
Required fields are state and concession_card_type. The excludes.any list is empty in this rule, but two related rules (AU_VIC_TPI_DVA_FREE_TRAVEL and AU_VIC_DSP_CARER_CONCESSION_MYKI) sit on the rule's conflicts list - if you qualify under one of those, you should apply via that rule's pathway instead. TPI and EDA Gold Card holders should apply for the Free Travel myki (100 percent free), and DSP/Carer Payment recipients without a PCC should apply via the DSP/Carer Concession myki pathway with a Centrelink letter, even though the end fare discount is identical to this rule.
Commonwealth Seniors Health Card alone does NOT qualify. CSHC sits in the federal cluster and unlocks federal pharmaceutical and Medicare benefits but is not in this rule's card list. CSHC holders aged 60+ should apply for the Victorian Seniors Card and use the Senior myki (which is more generous than the Concession myki because it adds free weekend travel).
What you get
One uniform entitlement: a flat 50 percent off the standard adult fare on every Victorian public-transport service every day of the week.
- Metro Melbourne tram, train and bus: Zone 1 two-hour fare of $4.10 falls to $2.05; Zone 1+2 two-hour fare of $5.30 falls to $2.65; daily cap of $11.30 falls to $5.65; weekly Pass falls from $52.60 to $26.30.
- Regional bus: standard adult fare 50 percent off; varies by route and zone.
- V/Line train and coach: standard adult fare 50 percent off across the network. Melbourne to Geelong return $25.40 falls to $12.70. Melbourne to Ballarat return $39.20 falls to $19.60. Melbourne to Bendigo return $43.80 falls to $21.90.
- Night Network bus and tram: same 50 percent discount.
The Concession myki does NOT include the free-weekend benefit. That benefit is exclusive to the Senior myki under AU_VIC_SENIORS_MYKI. If you are over 60 and hold both a PCC and a Victorian Seniors Card, you should upgrade to the Senior myki and retire the Concession myki - you cannot tap two cards at once and the Senior myki is the higher-value option for that cohort.
Real-dollar examples. A 35-year-old single parent on Health Care Card commuting from Footscray to Melbourne CBD 5 days a week saves about $5.65 per day on the Zone 1 cap, or $1,469 a year. A retired pensioner using only weekday off-peak trams to medical appointments twice a week saves about $268 a year. A regional Carer Payment recipient making one V/Line trip a fortnight to Geelong saves about $330 a year on V/Line fares.
Important note on the 1 January 2026 weekend upgrade: that upgrade is exclusive to Senior myki holders. The YAML amount note on this rule explicitly states "Seniors myki weekend statewide free upgrade implemented from 1 January 2026, Concession myki not applicable." Do not assume your Concession myki gives free weekend travel; it does not.
How to apply
Application_meta defines two channels: online (limited self-serve) and service_centre (the standard pathway via PTV Hub or PTV Premium Station). Most users apply in person.
- PTV Hub or Premium Station counter. Bring your physical PCC, HCC or DVA Gold Card. Staff verify the card-name match against your photo ID and issue a Concession myki at the counter for $6 (the standard new-myki fee). You can pre-load any amount of credit at the same time.
- Online via PTV with verification at first use. Order a Concession myki online; the card arrives by post in 7-10 business days. The first time you tap on, an authorised officer may verify your physical concession card to confirm eligibility.
- Existing Full Fare myki conversion. If you already hold a Full Fare myki, take it to a PTV Hub with your concession card; staff will convert it to a Concession myki at no charge and any stored balance carries across.
Evidence requirements:
- Concession card - the physical PCC, HCC, DVA Gold or DVA PCC. Digital cards on the Centrelink Express Plus app or DVA app are also accepted at PTV Hubs.
- Photo identification - Victorian driver licence, learner permit or Australian passport, used to confirm the concession card is in your own name.
The Concession myki is registered to you by name. If you lose the card, register it at ptv.vic.gov.au and any stored balance is protected for transfer to a replacement card. Replacement cost is $6.
When you'll get it
Same day at a PTV Hub or Premium Station counter. The card is issued at the counter and works at the next fare gate. Online orders ship in 7-10 business days. There is no eligibility-decision waiting time because the eligibility check is the simple presentation of a current concession card.
The Concession myki stays valid as long as your underlying concession card stays valid. PCC and HCC are reissued automatically by Centrelink each year (or every 12-24 months depending on payment type), so the underlying eligibility flips on the renewal date with no action from you. If your PCC or HCC is cancelled because your income rises above the threshold, the Concession myki rate stops applying at the next tap-on; using a Concession myki without a valid underlying card is treated as fare evasion and triggers a $277 infringement.
The card has no expiry of its own beyond the standard myki 4-year card-shelf life; PTV will replace expiring myki cards by post automatically and your concession status carries across.
Real-world scenarios
Scenario 1: Tuan, 47-year-old carer in Footscray on PCC
Tuan is a 47-year-old in Footscray who quit work three years ago to care for both elderly parents. He receives Carer Payment and holds a Pensioner Concession Card. He travels into the CBD twice a week to take his father to a specialist at Royal Melbourne Hospital and back. He applied for a Concession myki at the Southern Cross PTV Hub by showing his PCC and Victorian driver licence; the card was issued in 8 minutes for $6. His Zone 1 daily cap is now $5.65 instead of $11.30, saving about $50 a month or $600 a year on routine medical trips alone. The Senior myki path is closed to him because he is 47, not 60+.
Scenario 2: Frances, 68 widow in Ballarat, blocked by card-name mismatch
Frances is 68 and lives in Ballarat. Her late husband held a DVA Gold Card; she applied for a Concession myki at the Ballarat Premium Station counter using his card. Staff refused the application because the rule requires the card to be in the cardholder's own name and her husband's card had been cancelled at his death. She instead applied for the Victorian Seniors Card, which arrived 4 weeks later, and upgraded to a Senior myki - a higher-value path for her than the Concession myki because the Senior myki gives her free weekend travel statewide.
Scenario 3: Saanvi, 22 university student on HCC
Saanvi is a 22-year-old in Box Hill on Youth Allowance. Her income sits below the HCC income threshold so Centrelink issues her a Health Care Card automatically. She applied for a Concession myki at the Box Hill PTV Hub by showing her HCC and learner permit; the card was issued in 5 minutes. Her daily Zone 1+2 commute to university now caps at $5.65 instead of $11.30, saving about $1,200 a year. She uses the Concession myki on weekdays for university and Saturdays for casual travel. The 50 percent discount applies the same way every day; there is no free-weekend bonus on her Concession myki because that benefit is reserved for Senior myki holders.
Scenario 4: Federico, 65 IT contractor with Commonwealth Seniors Health Card only
Federico is a 65-year-old in Reservoir who holds a Commonwealth Seniors Health Card (CSHC) but is still working 38 paid hours a week. He tried to apply for a Concession myki using his CSHC. The PTV Hub officer declined the application because CSHC is NOT in this rule's concession_card_type list. Federico's only path is the Senior myki, which requires the Victorian Seniors Card; but he also fails that path because he is still working over 35 hours a week (his only available card is the Seniors Business Discount Card). For now he must use a Full Fare myki and pay the standard adult rate.
Common mistakes
- Confusing the Concession myki with the Senior myki. They are two different rules and two different products. Concession myki: 50 percent off every fare every day, unlocked by PCC/HCC/DVA Gold. Senior myki: 50 percent off weekday fares PLUS free weekend travel statewide, unlocked by the Victorian Seniors Card. If you are over 60 AND hold a PCC, the Senior myki is the better card; if you are under 60, the Concession myki is your only option.
- Trying to use a partner's or child's concession card. The card-name match is strict. A spouse's PCC does not flow through to you. A child's HCC does not qualify the parent. Each eligible adult must hold their own card and apply for their own Concession myki. The PTV Hub officer cross-checks the concession card name against your photo ID at application.
- Believing the Commonwealth Seniors Health Card unlocks the Concession myki. CSHC is a federal-only card and is not in this rule's card list. CSHC holders can apply for the Victorian Seniors Card if they meet the age and work-hours gates, then use the Senior myki - that is the only Victorian transport pathway open to a CSHC-only senior.
- Applying via the standard Concession myki path when on DSP or Carer Payment without a PCC. DSP and Carer Payment recipients can technically use the standard PCC pathway if they also hold a PCC. But the dedicated rule AU_VIC_DSP_CARER_CONCESSION_MYKI exists for DSP and Carer Payment recipients who do not hold a current PCC; they should apply with a Centrelink letter confirming current payment. The end fare discount is identical (50 percent) but the evidence path differs.
- Travelling without the underlying physical card. A Concession myki tapped on without the cardholder being able to present a current PCC, HCC or DVA Gold card on board is treated as fare evasion. Authorised officers issue a $277 infringement in 2025-26. Carry the card in your wallet on every trip; a digital Centrelink card on the Express Plus app is accepted but not all officers can read the QR code so the physical card is the safer default.
- Expecting the free-weekend benefit to apply. The 1 January 2026 statewide free-weekend upgrade applies only to Senior myki holders. The Concession myki keeps the same flat 50 percent every day. The YAML amount note on this rule says explicitly "Concession myki not applicable" for the weekend upgrade. Do not plan around free weekend travel on a Concession myki.
Related Victorian transport benefits
- Victorian Senior myki - parallel rule unlocked by the Victorian Seniors Card. 50 percent off weekday fares PLUS free weekend travel statewide. The higher-value option for over-60s, but requires the Seniors Card not just a concession card.
- Victorian DSP/Carer Payment Concession myki - dedicated pathway for DSP and Carer Payment recipients without a current PCC. Same 50 percent discount as the standard Concession myki but applied via a Centrelink letter at a PTV Hub.
- Victorian TPI/EDA DVA Gold Free Travel myki - the most generous transport entitlement: 100 percent free unlimited travel for DVA Gold cardholders embossed TPI or EDA. Sits on this rule's
conflictslist, so TPI/EDA holders should apply via that rule instead. - Victorian PCC Free Travel Voucher - 1 voucher per calendar year for PCC and DVA Gold holders. Auto-issued by Centrelink. Each voucher is a single day of unlimited travel statewide.
- Victorian Seniors Card - the upstream eligibility-enabler card for over-60s. Required if you want to upgrade to the Senior myki rather than the Concession myki. Free, no annual fee, lifelong validity.
- Victorian Seniors Free Travel Vouchers - the parallel voucher allocation for Seniors Card holders (2-4 per year). Mailed automatically by Public Transport Victoria.
Frequently Asked Questions
Which four cards unlock the Victorian Concession myki?
Pensioner Concession Card, Health Care Card, DVA Gold Card and DVA Pensioner Concession Card. The card must be issued in the cardholder's own name. Commonwealth Seniors Health Card alone does not qualify - that card unlocks federal benefits but not the Victorian transport concession.
What is the discount and does it cover weekends?
Flat 50 percent off the standard adult fare every day of the week, on every Victorian public-transport service. No free-weekend benefit; that is the Senior myki's distinguishing feature, not the Concession myki's.
How is the Concession myki different from the Senior myki?
The Concession myki gives a flat 50 percent off every fare every day. The Senior myki gives 50 percent off weekday fares PLUS completely free weekend travel statewide. A senior aged 60+ who also holds a PCC usually upgrades to the Senior myki because the weekend-free benefit is more valuable.
What if I receive Disability Support Pension or Carer Payment - which myki do I use?
DSP and Carer Payment recipients who do not also hold a PCC use the dedicated DSP/Carer Concession myki pathway with a Centrelink letter at a PTV Hub. The end discount is identical to the standard Concession myki (50 percent off every fare), but the evidence and counter process differ.
Do I need to carry the concession card on board?
Yes. Authorised officers can request to see your physical concession card any time you tap on with a Concession myki. A Concession myki without the underlying card is treated as fare evasion and triggers a $277 infringement in 2025-26.
What if my concession card is renewed but my Concession myki is older?
The Concession myki itself does not need to be reissued each time your concession card is renewed. The myki carries your concession status; the underlying card just needs to be current at the moment of inspection. PTV will replace expiring myki cards by post automatically every 4 years and your concession status carries across.
Can my partner travel on the same Concession myki?
No. Each cardholder must hold their own concession card and their own Concession myki. A partner travelling on someone else's Concession myki is treated as fare evasion. If both partners hold their own concession cards (e.g. both hold HCCs), each applies separately at a PTV Hub.
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