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