Pension Credit

Pension Credit is a tax free income-related benefit for people on lower incomes who have reached the Pension Credit qualifying age.

It comes in two parts, and you may be eligible for one or both -

Guaranteed Credit

  • Tops up your weekly income to a minimum level.

Savings Credit

  • Extra money if you have some savings or if your income is higher than the basic state pension.
  • There will be no new claims for Saving Pension Credit, unless you've reached State Pension age before 6 April 2016. To qualify for the extra Savings Credit, you or your partner must be aged 65 or over.


Even if you find out you are only entitled to a small amount of Pension Credit, it is worth claiming. This is because it can help you qualify for other benefits, like Housing Benefit and help with Council Tax.

You can claim Pension Credit through the Department of Work and Pensions.

The state pension age is increasing over time. Use this link to work out when you will reach Pension Credit age: