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Pension Credit is made up of two parts, Guarantee Credit and Savings Credit.

The Pension Credit qualifying age determines at what age you can first claim the Guarantee Credit element.  You have to be aged 65 or over to claim the Savings Credit element (either in addition to Guarantee Credit or on its own).

The Pension Credit qualifying age for both men and women is based on the current state pension age for women – the age at which a woman can first claim her State Retirement Pension.

If you are a woman you reach Pension Credit age when you reach your state pension age.

If you are a man you reach Pension Credit age when a woman born on the same day as you reaches her state pension age.

To see examples of how this works and to find out your exact Pension Credit qualifying age, check the state pension age calculator on the Gov.UK website (link opens in a new window).

See our guide to changes to State Retirement Pension age for more information.

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