Is a Railcard worth it in the UK?

Hello everyone! I’ve just purchased a shiny new Network Railcard and am fresh from doing the sums to see if it’s worth it, so that’s inspired today’s article to look at the wider range of what’s avaiable in a UK Railcard.

UK Railcards come in a number of shapes and sizes depending on what you’re eligible for an each come with their own restrictions, so I’ll try and decode what might be best for you.

Is a UK Railcard worth it in general?

For the majority of people who are taking more than 2 or 3 journeys a year at a weekend or off-peak time the answer is very likely to be yes.

Most of the cards we’ll be discussing offer at least a third-off fares at those times. With the price of tickets being what they are, covering the cost of the railcard is really not difficult.

The groups a railcard won’t suit are those who never use the train, or would only use it strictly during the peak morning commute on a Monday-Friday before 10am. Unless you’re in some very specific criteria, the timing restrictions on these railcards are likely to limit the savings and if you’re making the trip on a regular basis, exploring getting a season ticket is likely to be a better option for you.

Is a UK Railcard worth it if you live in London?

I think just about every Londoner should pick up a UK railcard, even if they never get on a train outside the city. The reason for this is that there’s a not-especially-well publicised trick that allows you to have your railcard linked to a physical Oyster card.

If you do this, it’ll save you a third on all off-peak tube journeys, which really adds up when zooming around the capital.

I wrote about how to use trick in one of my very first articles on this site in my list of tips and tricks on saving money on tube and train fares.

A season ticket holder in the South? You already have a UK railcard.

Again not well known, but if you have any kind of rail season ticket which include an “Annual Gold Card” as proof of purchase (this includes an Annual Oyster ticket) then this automatically acts as the equivalent of a Network Railcard, so there is no benefit purchasing another railcard!

Better yet, if you’re travelling with up to three adults they can also benefit from your 1/3 off.

Unfortunately, this perk is limited to mainly southern locations – you can find a map on the annual gold card page at Network Rail’s website.

Lots of railway tracks for using your UK Railcard

Save on a UK Railcard by buying it for multiple years

In the case of nearly all the above UK Railcards you can purchase them at a cheaper price when buying it for 3 years rather than 1.

The discount is usually pretty significant (in most cases this applies you pay £70 for the 3 year UK railcard, rather than 3 lots of £30, which equates to around a 23% discount) so unless you see any significant lifestyle changes that might cause the most appropriate card to change, it’s something worth considering.

What type of UK Railcard offers the best value?

It generally depends on your circumstances, but I’ve tried to structure these in an order where we start most beneficial and work down – as most won’t be eligible for the top UK Railcards.

If you’re lucky enough to be eligible there’s one clear winner:

The 16-17 Saver

Offers a discount of 50% which is higher than most railcards with very few restrictions, aside from naturally age – ah to be young again…..

You can find details and buy online here.

Disabled Person’s Railcard

If you meet the eligibility criteria, the Disabled Person’s Railcard is the next best option – the discount is the standard 1/3rd off, but provide some flexibility to be used at any time of the day which others do not and allows you to apply the same discount to another person travelling with you. Details here.

You can find details and buy online here.

16 -25 Railcard

If you don’t have children, next up is the 16-25 Railcard – it offers 1/3rd off most fares however during most of the year there’s a minimum ticket charge of £12 before 9.30 for standard tickets. I mean an early lecture is bad enough….

You can find details and buy online here.

Veteran’s Railcard

The Veteran’s Railcard works in a near identical fashion to the 16-25 Railcard above, aside from the eligibility criteria. You will need to provide proof of eligibility which can be provided in a number of forms which are listed on the UK Railcard website.

You can find details and buy online here.

25-30 Railcard

If you’re older, the 25-30 Railcard is near identical, with the only difference some minor exclusions in the terms and conditions compared to the above card (except if you live or are travelling in Scotland, in which case I suggest taking a closer look).

You can find details and buy online here.

Senior Railcard

If you’re at the other end of the age spectrum and over 60, the Senior Railcard offers a similar benefit, excluding any discounts on travelling during the morning rush.

You can find details and buy online here.

From here on – who are you travelling with?

Beyond this, the best UK Railcard for you becomes quite a bit more dependent on who you’re going to be frequently travelling with and where in the country you’re based – my attempt to put anything in a value order here completely falls apart because it’s so personal.

As a result these aren’t in any particular order, but I’d suggest that if you’re in the covered area the Network Railcard should be your first look.

Network Railcard

If you’re living in the South, South East, certain parts of the South West or around London then the Network Railcard is likely to be the best option for you, as it provides 1/3 off off-peak fares including advance travel.

However on a Monday-Friday, it’s a little restricted by having a minimum ticket price of £13, and as a result is best suited to those who are likely to use this for taking longer journeys or travelling at the weekend. It’s also important to check that you’re within the Network railcard eligibility area, which you can do at the website here.

The upside of the Network railcard is that it also allows you to apply the benefits to up to three other adults travelling with you, meaning friends and relatives can benefit too!

You can find details and buy online here.

Two Together Railcard

If you nearly-always travel with someone, there’s something to be said for the Two Together Railcard.

This works by giving you a 1/3 discount off-peak only when travelling with a specific person (this person has to be named and is subject to photo ID), so you can’t just flip that person around! You also cannot get the discount when travelling alone – so the circumstances in which you’ll make a saving here are much more specific, and need thinking about more carefully

You can find details and buy online here.

Family and Friends Railcard

The Family and Friends Railcard is a good option for those with young families, especially those outside London and the South East area as the restrictions on use during the morning peak don’t apply.

This railcard allows a 1/3 discount for adults and a whopping 60% discount for any children travelling with you.

It’s not especially clear from the railcard website, but you’re eligible to use this railcard any time you have at least one of the two named adults on the card travelling within at least one child in the 5-15 bucket.

You can find details and buy online here.

An old school steam train, which you can't use a UK Railcard on.....

Any questions?

We think Railcards are great, but the UK Railcard website is not always the best at clearly identifying key differences between the different programs and what they can do for you.

So if you have any questions, or have experiences with UK Railcards both good and bad just let us know in the comments below!

And that’s it!

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