Having worked 46 year and qualify for state pension. Why are the benefits far better on pension credit.?

Answer 1

If you're aged 60 or above, and living in Great Britain, you may be entitled to the 'Guarantee Credit' element (which guarantees a minimum income if you're on a low income) if either of the following applies to you:
you're single and your weekly income is below £119.05
you have a partner or civil partner and your joint weekly income is below £181.70

If you're aged 65 or over you could be entitled to the 'Savings Credit' element if either of the following applies to you:
you're single and your total weekly income from pensions, savings and investments is between £87.30 and £167 a week
you have a partner or civil partner and your joint weekly income from pensions, savings and investments is between £139.60 and £245 a week

Answer 2

I am not clear what you mean. Do you mean that you only have the state pension, in which case you would be entitled to pension credit.