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Railcard

Railcard deals

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Railcard logo12% off 16-25 railcards with NUS ExtraRailcard gets you a third off train travel

Ongoing

If you're an NUS Extra card holder (cards cost £12 a year), you can get 12% off a 16-25 railcard online (norm £30).

Log in via the specific link above to get your unique promotional code and as the terms and conditions state, enter the code at the checkout on the 16-25 Railcard* website.

Railcards can save you a third off train travel if you're eligible - that means if you're spending over £90, even on a one-off trip, it's worth getting one. 

For more train tricks including how to split tickets to slash costs see the Cheap Trains guide.

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Railcard logoHow to get a £10 railcard (norm £20-£30)If you or someone you know has a Gold Card season ticket

Ongoing

If your train season ticket is an Annual Gold Card, it gives you extra discounts that a standard season ticket doesn't, and one of its biggest perks is that you can get a railcard for £10 (up to 66% off the normal price) for yourself or someone else.

But there's no point buying one for yourself unless you plan to travel outside of the Annual Gold Card area (most of the South of England and West Mids) as the Gold Card already gets you a third off within this area.

What kind of season ticket do I need?

You'll need to have an Annual Gold Card, which you’ll have been given automatically if you’ve bought a year's season ticket or Travelcard (not weekly or monthly) from one of 600+ stations on this Annual Gold Card area map.

It covers a large area of the South of England and West Midlands – including Bournemouth, Brighton, Coventry, Norwich, and London stations – and you’ll get it even if only one of the stations on your ticket falls within this area.

Which railcards does it get me for £10?

You can choose from the major national railcards – 16-25, Family & Friends, Two Together, Senior and Disabled Persons, and the Network Railcard for London and the South of England. These cards get you a third off most journeys – see all railcard types. You can get one annual railcard for £10 at any time during the validity of your Annual Gold Card.

Don't have a Gold Card? You could still get the railcard discount

If a friend or family member who commutes has a Gold Card, just ask them to buy the £10 railcard for you if they don't need it, and they can follow the steps below. Check Railcard* to make sure you're eligible and provide the Gold Card holder with any photos or evidence of eligibility required.

You can only buy the £10 railcard from a station

  • If you bought your annual season ticket from a train station, you'll need to purchase your railcard from that station. If you bought it online, then you can go to your nearest station.
  • Let the staff member know you want to purchase a £10 railcard with your Gold Card and fill in the application they give you. Some railcards such as 16-25 and Senior require photos and evidence of eligibility so have that with you, and you'll need to show your Gold Card.
  • If you're buying a railcard for someone else, Railcard says the person you're buying the railcard for doesn't need to be present.
More info

What other discounts does an Annual Gold Card get?

As long as you're travelling within the Annual Gold Card area, your Gold Card essentially gives you most of the same discounts on rail fares as all the major railcards combined, as in addition to being your season ticket for commuting, it gets you:

  • 34% off standard and first class off-peak train fares for you and up to three people travelling with you.
  • 60% off for up to four kids (5-15 years old) travelling with you.
  • One-third off Oyster pay-as-you-go, Anytime Day Travelcards, and PLUSBUS day tickets within the Network Railcard area.


These discounts can't be used before 9.30am Monday to Friday (excluding bank holidays), or on Virgin Trains and Virgin Trains East Coast services. See full terms and conditions.

What about the Disabled Persons Railcard?

You can't get a £10 Disabled Persons Railcard at a station. You'll need to either call the Disabled Persons Railcard office on 0345 605 0525 or post a completed application form, evidence of eligibility, and a copy of the front and back of your Gold Card to: Disabled Persons Railcard office, PO Box 6613, Arbroath DD11 9AN.

Railcard logoNational Railcards £15/£10 in Tesco points*Get 50% off annual railcards by converting Clubcard points

Ongoing

Get a 16-25, Family & Friends, Senior or Two Together Railcard via Tesco Clubcard* for £15 in Clubcard points instead of the usual £30. You'll be sent a code that can be used on the Railcard* site.

If you're eligible for a Disabled Persons Railcard, you can get this for £10 in Clubcard points instead of the usual £20.

What discounts do the railcards get you?

16-25: A third off fares if you're aged 16 and over and under 26.
Family & Friends: A third off adult and 60% off child fares, a minimum of one adult and one child, and a maximum of up to four adults and four children (age 5-15) can travel using one card.
Senior: Those aged 60 and over get a third off rail fares.
Two Together: A third off rail fares for two named adults when they travel together.
Disabled Persons: If you have a disability that makes travelling by train difficult, you may qualify for this. You'll get a third off fares, including at peak time.

More info
While worth 1p in store, Clubcard points values are up to quadrupled when converted to Tesco Rewards*, which include days out, magazine subscriptions, holidays etc.

Other deals can be better value than the railcards but if you're buying them anyway, and don't need any other deals, it's a good conversion. Read more in the Loyalty Points Boosting guide. Also, check the railcard site for restrictions and to ensure you're eligible before exchanging your vouchers.

Railcard logoDisabled Persons Railcard £20 for one yearOr £54 for three years. Get a third off rail fares incl peak times

Ongoing

If you have a disability that makes travelling by train difficult, you may qualify for a Disabled Persons Railcard (see 'Are you eligible?' below).

It costs £20 for one year, or £54 for three years (equivalent to £18 per year), and gets you one-third off most train travel. That means if you spend over £60 on eligible rail fares in a year (or £55 if you have a three year card), then it's worth getting one as the savings beat the cost of the card.

Unlike most other railcards, there are no time restrictions for when the Disabled Persons Railcard can be used, although it won't work on season tickets. What's more, if you travel with another adult, they'll also get one-third off.

Are you eligible?

You should qualify for a Disabled Persons Railcard if any of these apply to you:

  • Receive Personal Independence Payments (PIP).
  • Receive Disability Living Allowance (DLA) at either the higher or lower rate for the mobility component, or the higher or middle rate for the care component.
  • Have a visual impairment.
  • Have a hearing impairment.
  • Have epilepsy.
  • Receive Attendance Allowance or Severe Disablement Allowance.
  • Receive War Pensioner's Mobility Supplement.
  • Receive War or Service Disablement Pension for 80% or more disability.
  • Buy or lease a vehicle through the Motability scheme.

You'll need to provide evidence of your eligibility when applying – see the Disabled Persons Railcard site for a list of accepted proof.

The railcard can't be bought at station ticket offices, but you can pick up an application form which you'll need to complete and post – or you can apply for the card online.

Can children get this railcard?

If your child (aged 5-15) has one of the eligible disabilities, they can apply for a Disabled Persons Railcard (or you can apply on their behalf). They won't get discounted child fares, but the card will allow one adult travelling with them to get one-third off.

Have a Tesco Clubcard? You could save 50% off a one year card

If you have a Tesco Clubcard with enough points, you could use your Clubcard vouchers to get a one year Disabled Persons Railcard for £10 in vouchers. See National Railcards for £15/£10 in Tesco points.

More info

You need to carry your railcard with you when travelling. Although railcards are sent via First Class post, you're best allowing up to five working days for delivery.

Railcards are not valid in Northern Ireland.

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Expired Deals

Railcard logo10% off 1yr railcards code*Incl 16-25, Family & Friends, Two Together & Senior Railcards

Expired

Railcards allow you to get a discount on most rail fares, which'll be at least a third off. They're normally £30 to buy, but until 11.59pm on Thu 31 Aug, enter the code AUGUST10MS online at Railcard* and you'll pay just £27 – and it's valid on the big four national railcards.

That means if you spend over £80 on eligible train fares in a year (on most trains, see restrictions below), even if it's on one journey, then it's worth getting one as the savings beat the cost of the card.

Which railcards are available? (All of the below give a third off adult fares, some give more on kids' fares, as stated below).

  • 16-25 Railcard* - This is for 16 to 25-year-olds or a mature student aged 26 or over in full-time education. If you travel before 10am Mon-Fri, it's still a third off but there's a minimum fare of £12 (except in Jul/Aug and public holidays).
  • Family & Friends Railcard* - Up to two adults can be named on the card, then as long as one of you is travelling, up to four adults get a third off, providing there is at least one child (and up to four) travelling with you – kids then get 60% off.
  • Two Together Railcard* - Two of you get a joint card, with both your photos on it (you'll need to upload these when you order the card). You must travel together but you can have more than one card, eg, one with your spouse and one with a friend.
  • Senior Railcard* - If you're 60 or over then you can get this card.

Can I travel on any train?

Some railcards will only give a third off fares on off-peak trains. Here are the important restrictions to be aware of:

  • The Two Together card cannot be used on trains that depart before 9.30am weekdays, except public holidays. The same applies to the Family & Friends and Senior Railcards for journeys wholly within the London and South East Network Railcard area (see map) – outside this area there is no time restriction.
  • Other terms and conditions vary per railcard, so make sure you check before buying. You can only get this offer online and not at railway stations.

It's worth noting, that you can get a three-year railcard for £70 (excl Two Together), so if you can afford it, then even with the 10% discount on a one-year railcard, it's cheaper in the long run to buy a three-year one if you'll use it (and if you'll still be eligible).

Have a Tesco Clubcard? You could save 50%

If you have a Tesco Clubcard with enough points, you could use your Clubcard vouchers to get a one-year railcard for £15 in vouchers. See National Railcards for £15 in Tesco points.

NUS Extra cardholders can get 12% off

If you're a student with an NUS Extra card, you can get 12% off a 16-25 Railcard online. You can't combine this offer with the 10% off code above.

For more train tricks including how to split tickets to slash costs, see our Cheap Train Tickets guide.

More info

Although railcards are sent via First Class post, you're best allowing up to five working days for delivery. Railcards are not valid in Northern Ireland.

The code can't be used to buy a Disabled Persons Railcard or Network Railcard.

Railcard logo15% off Family & Friends Railcard code*Blagged online code gets 1yr railcard for £25.50 (norm £30)

Expired

Travelling by train with the family can be costly, but if you have a railcard, you could be on track for a decent saving.

Enter the MSE Blagged code SUMMERMS17B online at Family & Friends Railcard* before 11.59pm on Thu 31 Aug, and you can get the railcard for £25.50, instead of the usual £30 for one year – it gives you a third off most adult rail fares and 60% off for kids.

How the railcard works:

  • Up to four adults (aged 16 and over) can get 34% off most rail fares (see below for restrictions) when travelling together with up to four children (aged 5-15), who will get 60% off. Under-5s go free anyway.
  • Two adults can be named on the card and at least one must be travelling whenever it's used.
  • You don't need to be related – so it's not just for families, but also friends who can share a card and each benefit from the discount, just as long as you travel with at least one child.

The Family & Friends Railcard can't be used on trains that depart before 9.30am weekdays, except public holidays, for journeys wholly within the London and South East Network Railcard area (see map) – outside this area there is no time restriction.

For the full terms, see Family & Friends Railcard*. You can't get this offer at train stations, only online. Although railcards are sent via First Class post, you're best allowing up to five working days for delivery.

It's worth noting, that you can get a three year railcard for £70, so if you can afford it, then even with the 15% discount on a one year card, it's a bit cheaper in the long run to buy a three year one if you'll use it (and if you or family members will still be eligible).

Have a Tesco Clubcard? You could save 50%

If you have a Tesco Clubcard with enough points, you could use your Clubcard vouchers to get a one year railcard for £15 in vouchers. See National Railcards for £15 in Tesco points.

More info

Railcards are not valid in Northern Ireland.

Railcard logo20% off 16-25 or Family & Friends Railcard*Online code gets one-year railcards for £24 (norm £30)

Expired

Travelling by train can be costly but if you have a railcard, you could be on track for a decent saving. What's more, if you enter the code SUMMERMS17 at Railcard* by 11.59pm on Sun 30 Jul, you can get 20% off a one-year 16-25 or Family & Friends Railcard, taking them down to £24 each – ideal for the school summer holiday.

These cards get you 34% off most rail fares (60% for 5-15 year olds on the Family & Friends card) and are normally £30.

Are these railcards right for you?

Even if you don’t use the train that often, just one decent-length rail trip costing £71+ can save you more than the £24 cost of the railcard. Here's who the cards are for and what they give you:

  • 16-25 Railcard*  This is for 16 to 25-year-olds or a mature student aged 26 or over in full-time education. You'll get one-third off most train fares, but if you use the card before 10am Mon-Fri, there's a minimum fare of £12 (except in Jul/Aug). You'll need to upload a photo of yourself when ordering the card.
  • Family & Friends Railcard*  Up to two adults can be named on the card, then as long as one of you is travelling, up to four adults get a third off, providing there is at least one child (and up to four) travelling with you, who get 60% off. For journeys wholly within the London and South East Network Railcard area (see map), you can't use it on trains that depart before 9.30am on weekdays (except public holidays). There are no other time restrictions.

Terms and conditions vary per railcard, so make sure you check before buying. You can only get this deal online, not at a station.

Railcards are sent the next working day via First Class post, but you're best allowing up to five working days for delivery.

Have a Tesco Clubcard? You could save 50%

If you have a Tesco Clubcard with enough points, you could use your Clubcard vouchers to get a one-year railcard for £15 in vouchers. See National Railcards for £15 in Tesco points.

More info

The code can't be used to buy a Two Together, Senior, Disabled Persons or Network Railcard, and railcards are not valid in Northern Ireland.

Railcard logo£5 off 16-25 or Family & Friends Railcard*Online code gets one-year railcards for £25 (norm £30)

Expired

Travelling by train can be costly but if you have a railcard, you could be on track for a decent saving. What's more, if you enter the code MSEASTER at Railcard* by 11.59pm on Mon 24 Apr, you can get £5 off a one-year 16-25 or Family & Friends Railcard.

These cards get you 34% off most rail fares (60% for kids on the Family & Friends card) and are normally £30, but with this offer you'll pay just £25.

Are these railcards right for you?

Even if you don’t use the train that often, just one decent-length rail trip costing £74+ can save you more than the £25 cost of the railcard. Here's who the cards are for and what they give you:

  • 16-25 Railcard*  This is for 16 to 25-year-olds or a mature student aged 26 or over in full-time education. You'll get one-third off most train fares, but if you use the card before 10am Mon-Fri, there's a minimum fare of £12 (except in Jul/Aug). You'll need to upload a photo of yourself when ordering the card.
  • Family & Friends Railcard*  Up to two adults can be named on the card, then as long as one of you is travelling, up to four adults get a third off, providing there is at least one child (and up to four) travelling with you, who get 60% off. For journeys wholly within the London and South East Network Railcard area (see map), you can't use it on trains that depart before 9.30am on weekdays (except public holidays). There are no other time restrictions.

Terms and conditions vary per railcard, so make sure you check before buying. You can only get this deal online, not at a station.

It's worth noting, that you can get a three-year railcard for £70, so if you can afford it, then even with the £5 discount on a one-year railcard, it's slightly cheaper in the long run to buy a three-year one if you'll use it (and if you or family members will still be eligible).

Have a Tesco Clubcard? You could save 50%

If you have a Tesco Clubcard with enough points, you could use your Clubcard vouchers to get a one-year railcard for £15 in vouchers. See National Railcards for £15 in Tesco points.

More info

Railcards are sent the next working day via First Class post, but you're best allowing up to five working days for delivery.

The code can't be used to buy a Two Together, Senior, Disabled Persons or Network Railcard. Railcards are not valid in Northern Ireland.

Railcard logo20% off Family & Friends Railcard*Online code gets 1-yr railcard for £24 (norm £30)

Expired

Travelling by train with the family can be costly, but if you have a railcard, you could be on track for a decent saving.

Enter the code FAM17MS online at Family & Friends Railcard* before 11.59pm on Mon 20 Feb, and you can get the railcard for £24, instead of the usual £30. The card gives you a third off most adult rail fares and 60% off for kids (see terms and restrictions below).

Even if you don’t use the train that often, just one rail trip costing over £72 can save you more than the £24 you'll have paid for the railcard.

How the railcard works:

  • Up to four adults (aged 16 and over) can get one-third off most rail fares (see below for restrictions) when travelling together with up to four children (aged 5-15 – under 5s are free anyway), who will get 60% off their fares.
  • Two adults can be named on the card and at least one must be travelling whenever it's used.
  • You don't need to be related – so it's not just for families, but also friends who can share a card and each benefit from the discount, just as long as you travel with at least one child.

The Family & Friends Railcard can't be used on trains that depart before 9.30am weekdays, except public holidays, for journeys wholly within the London and South East Network Railcard area (see map) – outside this area there is no time restriction.

For the full terms, see Family & Friends Railcard*. You can't get this offer at train stations, only online.

It's worth noting, that you can get a three-year railcard for £70, so if you can afford it, then even with the 20% discount on a one-year railcard, it's slightly cheaper in the long run to buy a three-year one if you'll use it (and if you or family members will still be eligible).

Have a Tesco Clubcard? You could save 50%

If you have a Tesco Clubcard with enough points, you could use your Clubcard vouchers to get a one-year railcard for £15 in vouchers. See National Railcards for £15 in Tesco points.

More info

Although railcards are sent via First Class post, you're best allowing up to five working days for delivery. Railcards are not valid in Northern Ireland.

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Section 75

Free protection for all shopping!

There's a little-known piece of legislation that turns any credit card into a financial self-defence superhero. 'Section 75' of the Consumer Credit Act means your plastic must protect anything you buy for more than £100 for free, so if there's a problem or the company goes bust, you can still get your money back.

And although Section 75 doesn't apply to debit cards, there is something else to fall back on if you've paid using a debit card, or used a credit card for a purchase under £100. Known as Chargeback, this is part of banks' and card companies' internal rules and not a legal requirement. Read full details of Section 75 or Chargeback, plus how to claim, in our guides.

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