New Zealand Superannuation

New Zealand Superannuation is a fortnightly payment for people aged 65 and over.


We'll automatically send you a SuperGold card when your New Zealand Superannuation is granted.

Note: for more detailed information about New Zealand Super, please read:

  • Who can get it

    You may qualify for NZ Superannuation 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.

    Time spent overseas in certain countries and for certain reasons may be counted for New Zealand Superannuation (we can tell you more about this when you contact us).

  • How much you can get

    This depends on your current circumstances. These include:

    • whether you are single, married or in a relationship
    • your living situation if you are single
    • whether your partner is included in your New Zealand Superannuation payments or not
    • any overseas benefit or pension you may get.

    Any payments you get from accident insurance or Accident Compensation Corporation (ACC) may affect your pension.

  • How to apply

    You can apply online through MyMSD.

    If you are deaf, hearing-impaired or find it hard to communicate by phone you may:

  • On a benefit


This information is a guide only.

Contact us to talk about your individual circumstances.