New Zealand Superannuation (NZ Super) overview

If you're aged 65 years or older you may be able to get NZ Super payments and a SuperGold card.

This information is a guide only. Contact us to talk about your individual circumstances.

  • Who can get it

    You may qualify for NZ Super if you:

    • are 65 or over
    • either:
      • are a New Zealand citizen
      • are a permanent resident, or
      • hold a residence class visa
    • are ordinarily resident in New Zealand, the Cook Islands, Niue or Tokelau when you apply
    • have lived in New Zealand for at least 10 years since you turned 20
    • have lived in New Zealand, the Cook Islands, Niue or Tokelau (or a combination of these) for at least 5 years since you turned 50.

    When we say ‘you live’ or ‘you’ve lived’, we mean you normally live in NZ, the Cook Islands, Niue or Tokelau and that’s where your home is.

    You may qualify for NZ Super with less than 10 years residence if you have migrated to New Zealand from a country that New Zealand has a social security agreement with.

    Note: You don't have to be retired from work to get NZ Super as it's not income tested.

    Other income you earn can affect other payments you get from us (over and above NZ Super/Veteran's Pension).

    SuperGold Card

    Your SuperGold Card will be sent to you automatically once you have been granted New Zealand Superannuation.

    It gives you discounts and offers from a range of businesses, government concessions (such as free off-peak public transport) and discounted services from your local council.

    For more information and to sign up to the newsletter for SuperGold updates, please go to the:

    For more detail go to our:

  • How much you can get

    How much you get depends on your current circumstances, such as:

    • whether you are single, married or in a relationship
    • your living situation if you are single (eg live alone, live with dependent children, share accommodation with others)
    • whether your partner is included in your NZ Super payments or not
    • any overseas benefit or pension you or your partner (if you have one) may get.

    Payments from accident insurance or Accident Compensation Corporation (ACC) may affect your pension. If you get these payments you'll need to talk to us.

    Payment of NZ Super is made directly to your bank account every two weeks.

  • Including your partner in your payments

    If you have a partner we need to ask you about them as this affects the amount you're paid, even if you're not including them in your payments.

    NZ Super is not income tested. However, any income you or your partner get may affect your payments if:

    • you want to include your partner in your payments and they don't qualify for New Zealand Superannuation in their own right
    • you apply for other assistance as part of your application for New Zealand Superannuation.

    From 9 November 2020, we won’t be accepting any new applications to include your partner in your payments. Find out about these changes here.

    If you include your partner, any other income either of you earn could affect how much you get.

    If you include your partner in your payments:

    • You can earn up to $115 a week, or $5980 a year (before tax) between you before your NZ Super is affected.
    • If you earn more than $115 (before tax) a week your payments are reduced by 70 cents for every dollar of income over $115 (before tax).

    We can help you work out whether it is to your financial advantage to include your partner or not.

  • Overseas Pensions

    We also need to know whether you or your partner get, or may get, an overseas benefit or pension.

    • Overseas benefits or pensions will generally be directly deducted from NZ Super.
    • In some cases they will be treated as income.
  • If you've served with the New Zealand Armed Forces

    You may be able to get special benefits and pensions.

  • Ready to Apply

    If you're ready to apply for NZ Super: