Check the current eligibility and income test on servicesaustralia.gov.au before applying, as limits and rules can change. Keep accurate records of your recent income and have identification or other requested documents ready to help avoid delays. Apply through myGov linked to Centrelink, and update Services Australia if your circumstances or income changes. The card may reduce some prescription, medical or other costs, but available concessions vary by state, territory and provider, so check what applies to you.