Pension Credit UK: Eligibility, Guarantee Credit, Savings Credit and Linked Benefits

Free TV Licence With Pension Credit — Am I Eligible?

How to get a free TV licence with Pension Credit in 2026. Covers the age 75+ rule, how Pension Credit qualifies you, how to apply, and what happens if your partner claims.

Benefits information is based on current DWP and HMRC rules. Entitlements depend on your personal circumstances. For free personalised help, contact Citizens Advice or call the Universal Credit helpline on 0800 328 5644.

If you’re 75 or over and receive Pension Credit, you’re entitled to a free TV licence worth £180/year. Here’s how to claim it.

For the wider Pension Credit picture, including eligibility, savings and linked support, use the main Pension Credit hub.

Eligibility

RequirementDetail
AgeMust be 75 or over
Pension CreditMust receive any amount of Pension Credit (Guarantee or Savings Credit)
ResidencyMust live in the UK
One per householdThe free licence covers the whole household

Who Qualifies

SituationFree Licence?
Aged 75+, on Pension CreditYes
Aged 75+, not on Pension CreditNo — full price (£180)
Under 75, on Pension CreditNo
Aged 75+, partner on Pension Credit (couple claim)Yes — both qualify under the couple claim
Living in an eligible residential care home, supported housing or sheltered accommodation, and retired and over 60 or disabledReduced rate of £7.50

How Much You Save

TV Licence TypeAnnual CostWith PC (75+)
Colour TV licence£180Free
Black and white TV licence£60.50Free
Care home, supported housing or sheltered accommodation licence (if eligible)£7.50Free

How to Apply

By Phone

  • Number: 0300 790 6117
  • Hours: Monday to Friday, 8:30am to 6:30pm
  • What you need: Have your licence details to hand; TV Licensing checks your Pension Credit with DWP as part of the application

Online

  • Visit tvlicensing.co.uk
  • Go to the free TV licence page and apply online (you can still apply online if you do not have a current licence or cannot sign in)
  • TV Licensing checks with DWP that you receive Pension Credit

Timing

SituationWhat to Do
Already 75+ and just claimed Pension CreditApply online or by phone
Turning 75 soonIf you already receive Pension Credit, you can apply from age 74
Already paid for this yearYou may be eligible for a refund for any remaining months, processed as part of your application
Licence in your partner’s nameEither of you can apply if you qualify

Refunds

If you’ve already paid for a full-year licence and then qualify for a free one:

  • TV Licensing says you may be eligible for a refund for any remaining months on your current licence
  • It processes the refund as part of your free licence application

If You Don’t Qualify

If you’re 75+ but not on Pension Credit:

  1. Check if you could claim Pension Credit — Many eligible pensioners don’t claim. Even a small Pension Credit award gives you a free licence
  2. The “near miss” check — If your income is just above the Pension Credit threshold, check for deductions that could bring it below (mortgage interest, disability costs)
  3. Payment plans — TV Licensing offers monthly payment plans for those who must pay

Worth Claiming Pension Credit?

ValueAnnual
Free TV licence£180
Council Tax Reduction (if qualifying)Up to £2,100+
Warm Home Discount£150
Cold Weather PaymentsVariable
NHS benefitsVariable
Potential total value of PC passport£2,500-£5,000+

Even a £1/week Pension Credit entitlement unlocks all of these passport benefits.

Residential Care Homes

If you live in residential care:

Licence TypeCost
Eligible residential care home, supported housing or sheltered accommodation (retired and over 60, or disabled)£7.50
With Pension Credit, aged 75+Free

Sources

  1. GOV.UK — Pension Credit

Figures and rules on this page also come from these sources, last checked on 15 October 2026. How we check facts.