Every energy rebate in New South Wales
| Program | Worth | Type | Cards |
|---|---|---|---|
| Low Income Household Rebate | Up to $285 a year ($313.50 in embedded networks) | Bill concession | 4 cards |
| Family Energy Rebate | Up to $180 a year ($198 in embedded networks) | Families | 1 card |
| Seniors Energy Rebate | $200 a year | Seniors | 1 card |
| Medical Energy Rebate | Up to $285 a year ($313.50 in embedded networks) | Medical cooling or heating | 4 cards |
| Life Support Rebate | Depends on equipment, up to $1,343.20 a year | Life support | No card needed |
| Energy Accounts Payment Assistance (EAPA) | $50 vouchers towards an unpaid bill | Emergency help | No card needed |
| NSW Gas Rebate | Up to $110 a year ($121 in embedded networks) | Gas | 4 cards |
| Home Energy Saver | Discount up to $4,000 or zero-interest loan up to $15,000 | Upgrade discount | 4 cards |
| Air conditioner upgrade incentive | Up to about $550 to $560 off a 6 kW system | Upgrade discount | No card needed |
| Hot water upgrade incentive | Up to about $640 off a heat pump | Upgrade discount | No card needed |
How energy rebates work in New South Wales
Most NSW rebates are claimed through your electricity retailer, but a few, such as the Family Energy Rebate and the Seniors Energy Rebate, are applied for online with the NSW Government. Embedded network customers in apartments, villages and parks apply online for all of them and are paid into their bank account.
Several rebates can be combined. A concession card holder with a medical need and a gas connection could receive the Low Income Household Rebate, the Medical Energy Rebate and the Gas Rebate, up to $680 a year between them. The NSW Government's Savings Finder can help check what you qualify for.
For context, a home using 4,000 kWh a year on the regulated price pays roughly the amounts on our New South Wales electricity rates page. Concessions are taken off that.
Who qualifies for each program
Low Income Household Rebate (NSW)
- You are named on the electricity account for your home.
- You hold a Pensioner Concession Card, Health Care Card, Low Income Health Care Card or Veteran Gold Card.
Paid: As a credit on your electricity bills for retail customers, or into your bank account for embedded network customers. Full details.
Family Energy Rebate (NSW)
- You are named on the electricity account for your home.
- You received the Family Tax Benefit in the previous financial year.
- You have lodged your tax return for that year and Services Australia has finalised your Family Tax Benefit.
Paid: As a credit on your electricity bill for retail customers, or into your bank account for embedded network customers. Full details.
Seniors Energy Rebate (NSW)
- You are named on the electricity account for your home.
- You hold a valid Commonwealth Seniors Health Card.
- You do not receive the Low Income Household Rebate.
Paid: Into your nominated bank account once approved. Full details.
Medical Energy Rebate (NSW)
- You, or someone living with you, cannot regulate body temperature when exposed to extreme heat or cold because of a medical condition.
- The person meets at least one primary and one secondary qualifying condition, assessed by a registered medical practitioner who has treated them for at least 3 months.
- The account holder or the person with the condition holds a Pensioner Concession Card, Health Care Card, Low Income Health Care Card or Veteran Gold Card.
Paid: As a credit on your electricity bill, or into your bank account for embedded network customers. Full details.
Life Support Rebate (NSW)
- You, or someone living with you, needs approved energy-intensive life support equipment at home, such as home dialysis, a ventilator or an oxygen concentrator.
- A registered medical practitioner confirms the equipment is required at your principal place of residence.
- You are named on the electricity account. No concession card is needed.
Paid: As a daily credit on each electricity bill, or into your bank account for embedded network customers. Full details.
Energy Accounts Payment Assistance (EAPA) (NSW)
- You live in NSW and have an electricity or natural gas account for your home in your name.
- You have not paid your most recent bill and the account is still open.
- You are in short-term financial hardship, a crisis or an emergency, such as losing income, unexpected medical costs, a natural disaster or a disconnection notice.
Paid: As vouchers applied directly to your energy account by your provider. Full details.
NSW Gas Rebate (NSW)
- You are named on the gas account and bill, with a natural gas account for your home, or you use more than 45 kg (88 litres) of bottled LPG a year for basic household needs.
- You hold a Pensioner Concession Card, Health Care Card, Low Income Health Care Card or Veteran Gold Card.
Paid: As a credit on your gas bill, or into your bank account for LPG and embedded network customers. Full details.
Home Energy Saver (NSW)
- Loans: you own the property, are an Australian citizen or permanent resident, and your combined taxable household income is up to $210,000.
- Discounts: you own the property or are a tenant named on the lease, and either hold an eligible concession card or have a combined household income up to $80,000.
Paid: As an upfront discount or a zero-interest loan for approved energy upgrades. Full details.
Air conditioner upgrade incentive (NSW)
- All NSW households and small businesses may be eligible.
- You are installing a new energy-efficient air conditioner or replacing an old one with a more efficient model.
- You may not qualify if you already have an efficient air conditioner, because the discount is based on the energy you will save.
Paid: As an upfront discount on your installer's quote. Full details.
Hot water upgrade incentive (NSW)
- All NSW households and small businesses may be eligible.
- You are replacing an existing water heater with an efficient heat pump or solar hot water system.
- You may not qualify if your current system is already efficient.
Paid: As an upfront discount on your installer's quote. Full details.
How to claim
Check which programs fit
Use the table above, or the rebate finder, to see what matches your card and circumstances.
Have your details ready
Your concession card, your latest bill with the account number, and medical forms where needed.
Contact your retailer or apply online
Most bill concessions go through your retailer. Some programs are applied for online with the government.
Check your next bill
Make sure the concession appears. If it does not, call your retailer.
Struggling to pay?
Concessions take time. If you are behind now, ask your retailer about its hardship program and see our guide to emergency help with bills.
Common questions
The main ones are the Low Income Household Rebate, Family Energy Rebate, Seniors Energy Rebate, Medical Energy Rebate, Life Support Rebate, NSW Gas Rebate and EAPA emergency vouchers, plus upgrade discounts for appliances.
Yes, in many cases. For example, the Medical Energy Rebate and Gas Rebate can be added to the Low Income Household Rebate. The Seniors Energy Rebate cannot be combined with the Low Income Household Rebate.
Your electricity retailer for most rebates, or Service NSW on 13 77 88.
Sources
Every rate on this page comes from the regulator or the regulated retailer. Last checked October 2026. Prices include GST unless we say otherwise.
- NSW Climate and Energy Action, Low Income Household Rebate
- NSW Climate and Energy Action, Family Energy Rebate
- NSW Climate and Energy Action, Seniors Energy Rebate
- NSW Climate and Energy Action, Medical Energy Rebate
- NSW Climate and Energy Action, Life Support Rebate
- NSW Climate and Energy Action, Energy Accounts Payment Assistance