Senior Discount Programs Canada 2026 — Complete List
Canadian seniors have access to hundreds of discounts across retail, transit, banking, health, recreation, and government programs. Many seniors leave thousands of dollars per year unclaimed simply because they don't know what's available. This comprehensive guide covers everything you're entitled to at 55, 60, and 65+.
Important tip: Always ask "Is there a senior discount?" — not all discounts are advertised. Many businesses offer them only when asked. Carrying your provincial senior ID card helps.
Federal Government Programs for Seniors
Program
Benefit
Age
Old Age Security (OAS)
~$700/month
65+
Guaranteed Income Supplement (GIS)
Up to ~$1,065/month
65+ (low income)
CPP Retirement Pension
Up to ~$1,364/month
60–70
Free Basic Banking (GIS recipients)
No monthly fees
65+
Age Tax Credit
Up to $1,259 tax saving
65+
Pension Income Credit
Up to $300 tax saving
65+ (pension income)
Home Accessibility Tax Credit
Up to $3,000/year
65+ or DTC
Provincial Senior Benefit Programs
Ontario
OHIP+: Drug coverage for seniors 65+ under Ontario Drug Benefit (ODB)
Seniors Dental Care Plan: Federal-provincial program — income-tested dental for seniors
Property Tax Credit: Up to $1,421 for low-income seniors via ON-BEN form
TTC Senior Fare: Reduced fares in Toronto for 65+
British Columbia
BC PharmaCare Plan G: Drug coverage for seniors 65+ (income-tested)
Seniors Bus Pass: Free or reduced transit for seniors in many municipalities
Property Tax Deferral: Defer property tax until home is sold (55+)
Alberta
Alberta Seniors Benefit: Up to $400/month supplement for low-income seniors
Alberta Blue Cross Seniors Drug Plan: Subsidized drug coverage for 65+
Property Tax Deferral: Defer property taxes for seniors 65+ (income-tested)
Retail and Grocery Discounts
Retailer
Discount
Age / Day
Shoppers Drug Mart
20% off non-sale items
65+ on Thursdays
Rexall Pharmacy
20% off first Tuesday each month
55+
Zellers / Target remnants
Varies
Varies
Home Depot Canada
10% off (some locations)
55+
Canadian Tire
Senior discount programs at select stores
65+
Restaurant and Dining Discounts
McDonald's: Free or discounted coffee for seniors (varies by franchise)
Swiss Chalet / Harvey's: Senior menus with reduced pricing at select locations
Denny's Canada: 15% AARP-style senior discount (ask your server)
Tim Hortons: Free coffee some locations for 65+
Travel and Transportation Discounts
VIA Rail: 10% discount for passengers 60+
Air Canada: Occasional senior fares (check AirCanada.com seniors)
Greyhound / Flixbus: Senior discounts on intercity bus routes
Canada's National Parks: Discounted annual Discovery Pass for seniors
Parks Canada: $57.90 Discovery Pass (2026) vs. $72.25 full price
Municipal Transit: Discounted monthly passes in most major cities for 65+
Banking and Financial Discounts for Seniors
TD, RBC, Scotiabank, BMO, CIBC: Free or reduced-fee accounts for GIS recipients and many 60+ customers
Credit unions: Often have senior rate specials on GICs and reduced service charges
KOHO: Always free — no monthly fees for seniors of any income
Federal Dental Care Plan for Seniors
The Canadian Dental Care Plan (CDCP), launched by the federal government, provides dental coverage for uninsured Canadians including seniors. Seniors 65+ with family income below $70,000 (adjusted income threshold) can access publicly funded dental services including cleanings, exams, fillings, and extractions. Application is through My Service Canada Account.
🏦 Simple Banking for Canadian Seniors
KOHO offers free banking with no monthly fees — perfect for fixed-income seniors who want to keep more of their OAS and CPP. Easy to use on mobile or desktop.