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Key takeaways: In Quebec and Canada, senior discounts often start as early as age 50 or 55, but the majority of in-store discounts apply from age 60 or 65. You generally receive a 10% to 20% discount upon proof of age (health card or driver’s license). Among the most generous retailers: Giant Tiger (10% on the first Monday of the month, age 60 and over), Jean Coutu, Canac, Korvette, and the FADOQ network. Always verify conditions with the merchant, as they change quickly.
Many businesses and stores offer special discounts to individuals who have reached a certain age. These in-store senior discounts are a valuable opportunity to enjoy reductions and save on your daily purchases.
In recent years, many senior discount programs have been discontinued or modified. Below is the most up-to-date list.
Always check with the retailer to confirm the discount’s validity and its conditions, as these can change rapidly. Please note that the promotions below have all been verified and may end, change or be modified at any time.
Don’t forget your ID with your birth date (such as a health card), in case the store requires proof.
For more discounts and free gifts, check out our other articles on restaurants offering birthday surprises and special treats for kids.
As Canada’s largest senior organization, the FADOQ (Quebec Federation of Golden Age) offers over 1,000 advantageous discounts and exclusive benefits. This enables members aged 50 and over to enjoy their retirement to the fullest, while keeping their budget under control.
These discounts cover groceries, finance and insurance, restaurants, electronics, health and beauty products, and more.
The price to obtain this FADOQ privilege card is $30 for a 12-month membership or $55 for 24 months, payable by Visa or Mastercard. By browsing their site, you can see the different offers. For example, a new insurance policy with lower premiums thanks to a FADOQ membership quickly pays for itself.
CARP (Canadian Association of Retired Persons) is the equivalent for all of Canada.
Here’s a list of discounts at various stores that don’t require paid subscriptions.
Amerispa: Every Tuesday of the month, people aged 60 and over receive a 20% discount on a treatment or package at participating centers.
Nautilus Plus: Seniors aged 65+ receive a 20% discount on the regular rate.
SEPAQ:
Laurentian Bank: The 60+ Advantage program offers a $5 discount on the monthly rate of 2 packages: Preferred account and Unlimited account.
Scotiabank: People aged 60 and over receive a $7 discount on the Ultimate Package, $4 on the Essential Package, a $4 discount on the Scotiabank Basic Plus Chequing Account, and all monthly fees are free on a basic bank account, a Scotiabank Daily Interest US Dollar Account, and a Scotiabank Euro Account.
TD Bank: TD Bank offers a discount on monthly fees for certain chequing accounts for people aged 60+. The discount is $3.75 for a TD Everyday Chequing Account, $6 on a TD Unlimited Chequing Account, and $8.50 on an all-inclusive banking package.
BMO: BMO offers a $4 discount on its monthly banking account packages for people aged 60+. Thus, the Practical Account becomes free, the BMO Plus Chequing Account is $7.95, the BMO Performance Chequing Account is $12.95, and the BMO Privilege Chequing Account is $26.95.
NBC: Seniors aged 60 and over receive a $5 discount on the NBC The Connected Chequing Account and on the NBC The Total Chequing Account. Individuals aged 65 and over do not pay monthly fees on the National Bank The Minimalist Chequing Account, in addition to receiving the Guaranteed Income Supplement (GIS).
CIBC: CIBC offers the benefits of the CIBC Smart for Seniors program, starting at age 65. There are no monthly fees for the CIBC Smart Account, the CIBC Everyday Chequing Account, the CIBC eAdvantage Savings Account, and the CIBC US Dollar Personal Account.
Desjardins: As soon as you turn 60, you’ll benefit from a $4 monthly fee reduction on your current account. People aged 71+ also have certain transactions free of charge if you ask your Branch.
RBC: If you are 65+, you could receive discounts ranging from $4 to $7.50 on certain packages. For example, the monthly fees for the RBC Day to Day Banking Package are $0, $8.95 for the RBC Advantage Banking Package, $12.95 for the RBC Signature No Limit Banking Package, and $22.50 for the RBC VIP Banking Package.
Many credit cards are adapted for seniors, whether in terms of insurance coverage or benefits (airport lounge access, travel credit, dining credit).
Don’t wait: the best welcome bonuses change every month and some end within a few days. Check out the credit card offers in their final days so you don’t miss out.
Here is our selection of the best credit cards for seniors:
There are plenty of grocery stores specializing in discounts and liquidations in Quebec, perfect for trimming your grocery bill. Here are also a few boutiques that offer specific discounts:
Aliments Merci: 10% discount on all purchases of $25 or more, on regular-priced merchandise, for people 65+.
Bulk Barn: Every Wednesday, seniors aged 65+ enjoy 15% off regular-priced purchases. What’s more, this offer can be combined with the $3 or $5 coupons often found in Bulk Barn flyers.
La Moisson: 10% discount on Beauty and Supplements items for people aged 65+.
M&M Meat Shops: Every Tuesday, seniors aged 60+ are entitled to a 10% discount on all purchases of regular-priced items in stores and online.
Tau Markets: Seniors aged 60 and over receive a 10% discount on all natural supplements and cosmetics on Mondays, Tuesdays, and Wednesdays. This offer excludes hair and body care.
Provigo: Participating stores only. 10% back in PC Optimum points, for those 55 and over.
Rachelle Béry: Every Tuesday, there’s a 10% discount for seniors aged 60+ on supplements and natural care products only. Don’t forget to scan your Scene+ card at the checkout to get more Scene+ points.
Ricardo: Every first Monday of the month, a 15% discount is offered to seniors aged 60 and over. This discount is valid in physical stores only.
RONA and RONA+: Every first Tuesday of the month, get 10% off all regular-priced products only if you are 55 or older.
Rossy: Every Tuesday, individuals aged 55 and over enjoy a 10% in-store discount.
Giant Tiger: On the first Monday of every month, seniors aged 60+ receive a 10% discount on their purchases in-store at Giant Tiger.
Value Village: 30% discount every Tuesday, during Seniors’ Day, for those 60 and over.
Brunet: Get the Privilege Card for 10% off eligible items at regular price, if you’re 60+. Brunet pharmacies are linked to the Moi loyalty program and you can use them to save even more.
Jean Coutu: In a limited number of Jean Coutu pharmacies, a privilege card gives a 10% off the regular price on certain eligible products for those aged 65 and over, every day. Ask your pharmacy if it participates in this program. At the same time, swipe your Moi card for more points.
Lawtons Drugs: 20% discount for people 55+ on several eligible products who swipe their Scene+ card at checkout.
Shoppers Drug Mart: Every Thursday, Shoppers Drug Mart gives a 20% discount to people aged 65 and over who are PC Optimum members, as well as to accompanying family members. In addition, on select days throughout the year, there is a special event for seniors where you receive a $10 bonus gift card with a purchase of $50 or more, along with the usual 20% discount.
Proxim: Get the 60+ Privilege Card for 10% off eligible items at regular price, if you’re 60+.
Rexall: Every Tuesday, people aged 55 and over receive a 20% discount upon presentation of the Be Well Rewards card.
Uniprix: Ask for the 60+ privilege card at the checkout to enjoy a daily 10% discount on eligible products for people age 60+.
Amtrak: 10% discount for people aged 65 and over on most Amtrak trains and those operated jointly with Via Rail Canada (such as the Adirondack train).
Carnival Cruise Line: Special prices for those 55+ are available on several cruises.
Days Inn by Wyndham, Howard Johnson, Travelodge: People aged 60 and over are entitled to a special discount at certain Wyndham hotels. Simply check the “Senior” option when searching.
Fairmont: A preferential rate is offered to individuals aged 55 and over. This offer depends on room availability and may vary by property, room category, time of year, and occupancy.
Hilton: For people aged 65 and over, Hilton hotels offer up to a 6% discount.
IHG hotels (Intercontinental, Holiday Inn, Crowne Plaza, etc.): Discounts vary by hotel, for guests 62 and over.
Jaro Hotels: 20% discount on a hotel room for a stay on Sunday or Monday night, for individuals aged 65 and over.
Marriott Bonvoy Hotels: Individuals aged 62 and over receive a discount applicable only based on availability.
Sandman Hotels: Up to 25% at participating hotels and $10 gift card per person for food and beverage, for people 55+.
Hôtel Tadoussac: 10% discount on the daily rate for people aged 55+.
Intercar: 15% discount on a bus ticket for people aged 65+.
Limocar: The Club 60 fare for people aged 60+ offers 15% off the regular fare of a bus ticket, an additional 10% discount for a round trip and an additional 20% discount for a booklet of 10 tickets.
Maheux: A Club 60 fare offers a 15% discount on the regular bus fare for people aged 60+.
Orléans Express: 15% discount for people aged 65+.
Royal Caribbean: Some cruises offer a discount for people aged 55+.
A 10% to 20% senior discount is good. Stacked with a loyalty program and the right credit card, it becomes a real savings lever. Here’s how I do it.
1. Stack the senior discount with your loyalty card. At Shoppers Drug Mart, the 20% Thursday discount already requires the PC Optimum card: so you get the discount AND the points on the same purchase. The same logic applies with the Moi card at Brunet and Jean Coutu, or Scene+ at Rachelle Béry and Lawtons.
2. Pay with a cashback card. A card that gives 2% to 5% cashback adds a third layer of savings on top of the discount and points. Here’s what that looks like on a $100 purchase at Shoppers Drug Mart on a Thursday:
3. Schedule your big purchases for the right day. Most discounts fall on a specific day: 1st Monday of the month (Giant Tiger, Korvette, Laura Secord), Tuesday (Rossy, Rexall, M&M Food Market) or Thursday (Shoppers Drug Mart). Plan your important purchases for these days rather than going randomly.
4. Combine coupons when permitted. At Bulk Barn, the 15% Wednesday discount can be combined with the $3 or $5 coupons from flyers. Two discounts on the same basket.
5. Do the math before joining FADOQ. The card costs $30 per year. If it reduces your car insurance premium by $30 or your bank fees by $5 per month, it’s already paid for itself. First, list the discounts you will actually use, then decide.
6. Always ask, even when it’s not advertised. Many museums, cinemas, theaters, transportation companies, and municipalities have a senior rate that they don’t heavily advertise. Ask at the counter.
To choose the card that earns the most on your recurring expenses, consult our credit card comparison.
A multitude of museums, transportation companies, cinemas, tourist attractions, theaters and municipalities have preferential rates for people of a certain age. Don’t hesitate to ask.
For recurring expenses (groceries, online shopping, restaurants), a cash back card makes a real difference. Use our credit card comparator to filter through 200+ Canadian offers, or take a look at our top cash back cards, updated monthly. Our top pick for these expenses: the BMO eclipse Visa Infinite* Card which earns 5 points per dollar on groceries, restaurants, gas, and transit.
Savings this way:
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