By
Christie Graham - Digital Content Editor
Last updated

Finding the best mobile phone plans for seniors isn't just about tracking down special discounts. And since so few providers offer discounted pensioner or seniors rates in the first place, you can usually get a better deal by signing up to a cheaper plan from a smaller brand – no concession card needed.

We'll get to the specific senior deals soon, but as a quick example, here are some of the cheapest mobile plans in our database with at least 20GB of data:

Ranked by total price over the first 24 months after signing up, including discounts from introductory offers.
Pivotel
Pivotel

25GB Mobile Swift Plan

  • 25GB data
  • Deal: Incl. 50% off - $11.45/mth for first 6 months, then $22.90/mth ongoing. Offer ends 31.10.2026. T&Cs apply.
$11.45/mth
Min. cost $11.45
SpinTel
SpinTel
Editor's Pick

$23 Mobile Plan

  • 25GB data at download speeds up to 150Mbps
  • WhistleOut Special: Enjoy $11 off for the first 6 months for new customers - $12/mth for first 6 months, then $23/mth
$12.00/mth
Min. cost $12
Moose Mobile
Moose Mobile

Moose 23 SIM Only

  • 30GB data at download speeds up to 150Mbps
  • Deal: Get 30GB for $14 – Includes $9 off for first 6 months, then reverts to $23. Offer ends 30.06.27
$14.00/mth
Min. cost $14
Link not supplied
Swoop
Swoop

30GB SIM Only 5G

  • 30GB data at download speeds up to 150Mbps
  • Deal: Includes $11 off for first 6 months - $14/mth for first 6 months then $25/mth after that. Offer ends 30.06.27
$14.00/mth
Min. cost $14
Kogan Mobile
Kogan Mobile

Small Monthly Plan

  • 25GB data
$23.00
Per 30 Day Renewal
Ranked by lowest price at the time of signing up as a new customer, as long as said price lasts at least six months or recharges.
Pivotel
Pivotel

25GB Mobile Swift Plan

  • 25GB data
  • Deal: Incl. 50% off - $11.45/mth for first 6 months, then $22.90/mth ongoing. Offer ends 31.10.2026. T&Cs apply.
$11.45/mth
Min. cost $11.45
SpinTel
SpinTel
Editor's Pick

$23 Mobile Plan

  • 25GB data at download speeds up to 150Mbps
  • WhistleOut Special: Enjoy $11 off for the first 6 months for new customers - $12/mth for first 6 months, then $23/mth
$12.00/mth
Min. cost $12
OnePass mobile
OnePass mobile

28 Day Plan - 22GB

  • 22GB data at download speeds up to 150Mbps
  • Deal: Save $12.50 - Get 22GB for only $12.50 for the first 6 recharges! Recharges $25/22GB. New customers only. T&Cs apply
$12.50
Per 28 Day Renewal
Link not supplied
Moose Mobile
Moose Mobile

Moose 23 SIM Only

  • 30GB data at download speeds up to 150Mbps
  • Deal: Get 30GB for $14 – Includes $9 off for first 6 months, then reverts to $23. Offer ends 30.06.27
$14.00/mth
Min. cost $14
Link not supplied
Swoop
Swoop

30GB SIM Only 5G

  • 30GB data at download speeds up to 150Mbps
  • Deal: Includes $11 off for first 6 months - $14/mth for first 6 months then $25/mth after that. Offer ends 30.06.27
$14.00/mth
Min. cost $14
Special discounts are rare

Of the bigger brands, only Telstra and Vodafone offer specific mobile phone plans for seniors. We’ll go over the pensioner discounts from these two telcos but, in most cases, you can save more by opting for a no-contract plan from a cheaper provider, despite the lack of senior-specific discounts.

Vodafone mobile plans for seniors


If you have a seniors card, Vodafone will give you a 10% discount off your monthly plan fees with any of its postpaid mobile plans and data plans. This discount cannot be used in conjunction with any other offers.

After any short-term introductory discount periods end, this brings Vodafone's cheapest SIM-only plan's standard price down to $52.20 per month for a huge 65GB of data. This is more than double what the average user in Australia goes through per month, and its dollar-to-GB ratio isn't too hot, to boot. So you're paying a high rate for a decent chunk of data you probably won't use.

Because this discount only applies to postpaid mobile phone or data-only SIM plans, you won't save 10% on handset fees if you also buy a new phone from Vodafone, nor can you get the discount with prepaid mobile plans.

Here are Vodafone's SIM-only postpaid plans (note: pricing excludes senior discounts):

Vodafone
Vodafone

$58 Small SIM Only Plan

  • 65GB data
  • Deal: Includes $13/mth off plan fees for first 12 months when you stay connected to this plan. Ends 29.10.26. T&Cs apply.
$45.00/mth
Min. cost $45
Vodafone
Vodafone

$68 Medium SIM Only Plan

  • 220GB data
  • Deal: Includes $18/mth off plan fees for first 12 months when you stay connected to this plan. Ends 29.10.26. T&Cs apply.
$50.00/mth
Min. cost $50
Vodafone
Vodafone

$78 Large SIM Only Plan

  • 420GB data
  • Deal: Includes $23/mth off plan fees for first 12 months when you stay connected to this plan. Ends 29.10.26. T&Cs apply.
$55.00/mth
Min. cost $55

Telstra mobile plans for seniors


Although it's typically seen as the most expensive telco, Telstra does have a senior discount. If you have a valid Pensioner Concession Card, you could be eligible for a 10% discount on any of the telco's Upfront plans, excluding the special "Upfront Mobile Access Plan". These plans can be SIM only (with no contract) or paired with a mobile phone repayment plan, but the discount doesn't apply to any handset repayments.

People who have a Health Care Card or Veteran Affairs Gold Card are also eligible for this discount.

Unfortunately, this discount doesn't do much to close the gap between Telstra's premium pricing compared to the rest of the mobile market. The telco's smallest plan is $74 per month for 50GB of data – as with Vodafone, this is more than double what the average user needs per month. So, even with the discount, that's $66 per month, much of which is for data you likely won't ever need.

Here's a look at Telstra's postpaid plans:

Telstra
Telstra

$74 Basic Upfront SIM Plan

  • 50GB data
$74.00/mth
Min. cost $74
Link not supplied
Telstra
Telstra

$84 Essential Upfront SIM Plan

  • 180GB data
$84.00/mth
Min. cost $84
Link not supplied
Telstra
Telstra

$99 Premium Upfront SIM Plan

  • 300GB data
$99.00/mth
Min. cost $99
Link not supplied

Telstra does have one ace up its sleeve: reception. But it might not be quite the kicker you'd think.

Telstra's coverage is indeed much larger than the Optus or Vodafone networks. However, a significant portion of that extra coverage is in rural, regional, remote, and uninhabited areas. For people living in those locations, access to the full Telstra network can be a must-have.

But for the vast majority of people, the Optus and Vodafone networks have 4G and 5G coverage on par with Telstra's in the places where they live, work, and regularly travel – and the places in between.

So, rather than just assume Telstra has the best coverage for you, do yourself a favour and check the coverage map below to see if you'd actually benefit from paying the Telstra premium.

Boost Mobile: Telstra coverage for cheaper

While there are plenty of smaller mobile providers on the Telstra network, only Boost Mobile has access to full Telstra coverage. 

This is a Telstra-owned prepaid provider and, while its plans can be pricier than other small brands (and there are no special discounts for seniors), it's usually your cheapest option if you want the full Telstra network experience without the Telstra price tag. Here's a look at Boost Mobile's plans:

Boost Mobile
Boost Mobile

$28 Prepaid

  • 8GB data at download speeds up to 150Mbps
$28.00
Per 28 Day Renewal
Boost Mobile
Boost Mobile

$39 Prepaid

  • 60GB data at download speeds up to 150Mbps
  • Deal: Get 60GB data on first 6 recharges, then 30GB from 7th recharge. New customers only. Activate by 02.11.26
$39.00
Per 28 Day Renewal
Boost Mobile
Boost Mobile

$49 Prepaid

  • 75GB data at download speeds up to 150Mbps
  • Deal: Get 75GB data on first 6 recharges, then 45GB from 7th recharge. New customers only. Activate by 02.11.26
$49.00
Per 28 Day Renewal
Boost Mobile
Boost Mobile

$59 Prepaid

  • 105GB data at download speeds up to 250Mbps
  • Deal: Get 105GB data on first 6 recharges, then 55GB from 7th recharge. New customers only. Activate by 02.11.26
$59.00
Per 28 Day Renewal
Boost Mobile
Boost Mobile

$74 Prepaid

  • 150GB Uncapped download speed
  • Deal: Get 150GB data on first 6 recharges, then 100GB from 7th recharge. New customers only. Activate by 02.11.26
$74.00
Per 28 Day Renewal

Mobile phone plans for $20 and under


These mobile plans cost $20 or less per month. All have unlimited standard national talk and text. All have no contract and are either postpaid or prepaid SIM-only plans with billing periods between 28 days and one month. 

Despite the lack of special discounts, this price range is below what you'll find from Vodafone's or Telstra's special mobile plans for seniors.

Ranked by total price over the first 24 months after signing up, including discounts from introductory offers.
Pivotel
Pivotel

25GB Mobile Swift Plan

  • 25GB data
  • Deal: Incl. 50% off - $11.45/mth for first 6 months, then $22.90/mth ongoing. Offer ends 31.10.2026. T&Cs apply.
$11.45/mth
Min. cost $11.45
SpinTel
SpinTel
Editor's Pick

$23 Mobile Plan

  • 25GB data at download speeds up to 150Mbps
  • WhistleOut Special: Enjoy $11 off for the first 6 months for new customers - $12/mth for first 6 months, then $23/mth
$12.00/mth
Min. cost $12
Moose Mobile
Moose Mobile

Moose 23 SIM Only

  • 30GB data at download speeds up to 150Mbps
  • Deal: Get 30GB for $14 – Includes $9 off for first 6 months, then reverts to $23. Offer ends 30.06.27
$14.00/mth
Min. cost $14
Link not supplied
Swoop
Swoop

30GB SIM Only 5G

  • 30GB data at download speeds up to 150Mbps
  • Deal: Includes $11 off for first 6 months - $14/mth for first 6 months then $25/mth after that. Offer ends 30.06.27
$14.00/mth
Min. cost $14
OnePass mobile
OnePass mobile

28 Day Plan - 22GB

  • 22GB data at download speeds up to 150Mbps
  • Deal: Save $12.50 - Get 22GB for only $12.50 for the first 6 recharges! Recharges $25/22GB. New customers only. T&Cs apply
$12.50
Per 28 Day Renewal
Link not supplied
iiNet
iiNet

30GB Small Plan

  • 30GB data at download speeds up to 150Mbps
  • Deal: 50% off - $15/mth for first 6 months, then $30/mth ongoing. Available until withdrawn. T&Cs apply.
$15.00
Per 1 Month Renewal
Link not supplied
Ranked by lowest price at the time of signing up as a new customer, as long as said price lasts at least six months or recharges.
Pivotel
Pivotel

25GB Mobile Swift Plan

  • 25GB data
  • Deal: Incl. 50% off - $11.45/mth for first 6 months, then $22.90/mth ongoing. Offer ends 31.10.2026. T&Cs apply.
$11.45/mth
Min. cost $11.45
SpinTel
SpinTel
Editor's Pick

$23 Mobile Plan

  • 25GB data at download speeds up to 150Mbps
  • WhistleOut Special: Enjoy $11 off for the first 6 months for new customers - $12/mth for first 6 months, then $23/mth
$12.00/mth
Min. cost $12
OnePass mobile
OnePass mobile

28 Day Plan - 22GB

  • 22GB data at download speeds up to 150Mbps
  • Deal: Save $12.50 - Get 22GB for only $12.50 for the first 6 recharges! Recharges $25/22GB. New customers only. T&Cs apply
$12.50
Per 28 Day Renewal
Link not supplied
Moose Mobile
Moose Mobile

Moose 23 SIM Only

  • 30GB data at download speeds up to 150Mbps
  • Deal: Get 30GB for $14 – Includes $9 off for first 6 months, then reverts to $23. Offer ends 30.06.27
$14.00/mth
Min. cost $14
Link not supplied
Swoop
Swoop

30GB SIM Only 5G

  • 30GB data at download speeds up to 150Mbps
  • Deal: Includes $11 off for first 6 months - $14/mth for first 6 months then $25/mth after that. Offer ends 30.06.27
$14.00/mth
Min. cost $14
Lyca Mobile
Lyca Mobile
Editor's Pick

Unlimited Plan S

  • 50GB data at download speeds up to 100Mbps
  • Deal: $15 for first 6 renewals when you activate this plan. Offer ends 31.12.26. T&Cs apply
$15.00
Per 28 Day Renewal
Link not supplied
Ranked by the highest data for new customers, as long as the data amount is applicable for at least three months or recharges.
Lyca Mobile
Lyca Mobile

Unlimited Plan M

  • 120GB data at download speeds up to 100Mbps
  • Deal: $20 for first 6 renewals + includes 40GB bonus data on activation and first 11 renewals. Offer ends 31.12.26
$20.00
Per 28 Day Renewal
Link not supplied
OnePass mobile
OnePass mobile

28 Day Plan - 65GB

  • 65GB data at download speeds up to 150Mbps
  • Deal: Save $20 - Get 65GB for only $20 for the first 6 recharges! Recharges $40/65GB. New customers only. T&Cs apply
$20.00
Per 28 Day Renewal
Link not supplied
Moose Mobile
Moose Mobile

Moose 30 SIM Only

  • 50GB data at download speeds up to 150Mbps
  • Deal: Get 50GB for $17– Includes $13 off for first 6 months, then reverts to $30. Offer ends 30.06.27
$17.00/mth
Min. cost $17
Link not supplied
iiNet
iiNet

50GB Medium Plan

  • 50GB data at download speeds up to 150Mbps
  • Deal: 50% off - $17.50/mth for first 6 months, then $35/mth ongoing. Available until withdrawn. T&Cs apply.
$17.50
Per 1 Month Renewal
Link not supplied
Pivotel
Pivotel

50GB Mobile Swift Plan

  • 50GB data
  • Deal: Incl. 50% off - $17.50/mth for first 6 months, then $35/mth ongoing. Offer ends 31.10.2026. T&Cs apply.
$17.50/mth
Min. cost $17.50
TPG
TPG
Editor's Pick

50GB Medium Plan

  • 50GB data at download speeds up to 150Mbps
  • Deal: 50% off - $17.50/mth for first 6 months, then $35/mth ongoing. Available until withdrawn. T&Cs apply.
$17.50
Per 1 Month Renewal
Link not supplied

Mobile phone plans for $30 and under


These mobile plans cost between $21 and $30 per month. All have unlimited standard national talk and text. All are no-contract and are either postpaid or prepaid SIM-only plans with billing periods between 28 days and one month and no contract. 

Despite the lack of special discounts, this price range is below what you'll find from Vodafone's or Telstra's special mobile plans for seniors.

Ranked by total price over the first 24 months after signing up, including discounts from introductory offers.
Kogan Mobile
Kogan Mobile

Small Monthly Plan

  • 25GB data
$23.00
Per 30 Day Renewal
Dodo
Dodo

Small Mobile Plan

  • 25GB data at download speeds up to 150Mbps
$25.00/mth
Min. cost $25
Yomojo
Yomojo

Starter 29GB Plan

  • 29GB data at download speeds up to 150Mbps
$24.90
Per 30 Day Renewal
Link not supplied
Everyday Mobile
Everyday Mobile

Pre-paid Mobile $25 Recharge

  • 22GB data at download speeds up to 100Mbps
  • Deal: Get 10% off an eligible Woolworths shop in store every month when you link your Everyday Rewards card. T&Cs apply
$25.00
Per 30 Day Renewal
Link not supplied
Superloop
Superloop

SuperSim Saver 4G Plan

  • 15GB data at download speeds up to 100Mbps
  • Deal: FREE 2nd recharge for existing Superloop broadband customers or new customers signing up for a mobile & broadband service
$25.00
Per 30 Day Renewal
Tangerine Telecom
Tangerine Telecom

30GB 5G Mobile SIM

  • 30GB data at download speeds up to 150Mbps
  • Deal: 50% off plan fees for 4 months - $15/mth for 4 months then $30/mth. Offer available until withdrawn.
$30.00/mth
Min. cost $15
Ranked by lowest price at the time of signing up as a new customer, as long as said price lasts at least six months or recharges.
Moose Mobile
Moose Mobile

Moose 40 SIM Only

  • 100GB data at download speeds up to 150Mbps
  • Deal: Get 100GB for $22– Includes $18 off for first 6 months, then reverts to $40. Offer ends 30.06.27
$22.00/mth
Min. cost $22
Link not supplied
iiNet
iiNet

100GB Large Plan

  • 100GB data at download speeds up to 250Mbps
  • Deal: 50% off - $22.50/mth for first 6 months, then $45/mth ongoing. Available until withdrawn. T&Cs apply.
$22.50
Per 1 Month Renewal
Link not supplied
TPG
TPG

100GB Large Plan

  • 100GB data at download speeds up to 250Mbps
  • Deal: 50% off - $22.50/mth for first 6 months, then $45/mth ongoing. Available until withdrawn. T&Cs apply.
$22.50
Per 1 Month Renewal
Link not supplied
Pivotel
Pivotel

80GB Mobile Swift Plan

  • 80GB data
  • Deal: Incl. 50% off - $22.50/mth for first 6 months, then $45/mth ongoing. Offer ends 31.10.2026. T&Cs apply.
$22.50/mth
Min. cost $22.50
Swoop
Swoop

60GB SIM Only 5G

  • 60GB data at download speeds up to 150Mbps
  • Deal: Includes $10 off for first 6 months - $23/mth for first 6 months then $33/mth after that. Offer ends 30.06.2027
$23.00/mth
Min. cost $23
Kogan Mobile
Kogan Mobile

Small Monthly Plan

  • 25GB data
$23.00
Per 30 Day Renewal
Ranked by the highest data for new customers, as long as the data amount is applicable for at least three months or recharges.
Swoop
Swoop

120GB SIM Only 5G

  • 120GB data at download speeds up to 150Mbps
  • Deal: Includes $10 off for first 6 months - $30/mth for first 6 months then $40/mth after that. Offer ends 30.06.27
$30.00/mth
Min. cost $30
Moose Mobile
Moose Mobile

Moose 40 SIM Only

  • 100GB data at download speeds up to 150Mbps
  • Deal: Get 100GB for $22– Includes $18 off for first 6 months, then reverts to $40. Offer ends 30.06.27
$22.00/mth
Min. cost $22
Link not supplied
iiNet
iiNet

100GB Large Plan

  • 100GB data at download speeds up to 250Mbps
  • Deal: 50% off - $22.50/mth for first 6 months, then $45/mth ongoing. Available until withdrawn. T&Cs apply.
$22.50
Per 1 Month Renewal
Link not supplied
TPG
TPG

100GB Large Plan

  • 100GB data at download speeds up to 250Mbps
  • Deal: 50% off - $22.50/mth for first 6 months, then $45/mth ongoing. Available until withdrawn. T&Cs apply.
$22.50
Per 1 Month Renewal
Link not supplied
Pivotel
Pivotel

80GB Mobile Swift Plan

  • 80GB data
  • Deal: Incl. 50% off - $22.50/mth for first 6 months, then $45/mth ongoing. Offer ends 31.10.2026. T&Cs apply.
$22.50/mth
Min. cost $22.50
Lebara Mobile
Lebara Mobile

$30 SIM Plan

  • 70GB data at download speeds up to 150Mbps
  • Deal: Includes 35GB bonus data for first 3 recharges when you activate by 03.11.26
$30.00
Per 28 Day Renewal
Link not supplied

Tips for picking seniors mobile plans


There are two ways to find a cheaper mobile phone plan overall: sign up to a smaller provider, and take advantage of introductory discounts.

Smaller brands have cheaper plans

If you're simply looking for a cheap mobile plan, your best option is to turn to a smaller provider – typically referred to as "Mobile Virtual Network Operators" (MVNOs). These providers offer some of the market's best deals.

MVNOs buy network service at wholesale prices on the Telstra network, Optus network or Vodafone network, then resell it to customers. Because they have lower overheads, smaller advertising budgets, and don't always stock handsets, MVNOs can offer similar plans as the big-brand telcos, but at much cheaper rates. Some might only have 4G. Or they might place speed caps on their plans, usually placing limits between 100Mbps and 250Mbps – but that's still more than enough speed for the average user.

You don't have to pay full price

It's common for mobile providers to offer generous discounts for the first six or so months of a new plan, after which the price goes up. These discounts are usually restricted to new providers, but there are so many options out there that this isn't something you need to worry much about.

And since most mobile plans don't have lock-in contracts, you're free to switch to another provider as your intro deal ends, without paying a single month at full price.

Switching mobile providers is pretty easy these days, and you can save quite a bit by hopping from deal to deal. But we realise plan hopping isn't everyone's cup of tea, so our plan comparisons let you choose whether or not to rank plans by their introductory pricing.

How much data do you need?

The best way to work out how much data you need is to simply check how much mobile data you're using each month. There should also be an app or online portal where you can check your usage. It might even be on your bill.

We recommend choosing a phone plan that's a little bit above your normal usage to avoid paying for more than you need, while keeping a bit of a buffer for special circumstances. 

If you're worried about how much of a buffer, you don't need to sweat it too much. Almost all telcos let you buy add-on data packs as a one-off purchase. While not ideal, it's better than spending an extra $10 or more every single month just on the off chance you'll need that extra data.

And you shouldn't be caught off guard by overage fees or prepaid data cut-offs. Telcos are required to send you usage alert texts when you've burnt through 50%, 85%, and 100% of your data.

If some more concrete numbers would help, the most recent statistics from the Australian Competition and Consumer Commission (ACCC) show the average postpaid plan customer in Australia only goes through about 18.9GB of data per month. The average for prepaid plans is 9GB.

FAQs


What should I look for in a good mobile phone plan for seniors?

When choosing a good phone plan for seniors, we recommend considering a plan from a smaller provider. These are usually much cheaper, while offering good coverage and lower-data options. There's no point paying for 50GB of data or more if there are cheaper options with a more realistic amount of data for your needs.

What are my phone plan options if I’m a senior or pensioner?

Currently, there are few telcos offering senior-specific discounts on mobile phone plans. Vodafone and Telstra are the only two big names doing it, but their discounts still don't make them nearly as cheap as many plans from smaller providers.

Are there TPG mobile plans for seniors?

No, there are no TPG mobile plans for seniors in Australia. This is even though TPG and Vodafone are owned by the same company: TPG Telecom.

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Christie Graham

Digital Content Editor

Christie Graham
Christie Graham is a tech industry expert and former head copywriter for Harvey Norman's Computers and Tech category. She won a national Newscorp writing competition to review TV shows on Binge, and keeps busy juggling her many hobbies including baking, painting, archery, stargazing, tending to her chickens, training her Border Collie, expanding her Harry Potter replica collection, and making lists (much like this one).

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