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Tfl Oyster card prepay or pay as you go?
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National Rail Card discounts e.g. Senior Rail Card, Disabled Persons Rail Card can be applied to Oyster cards, but cannot be applied when paying by contactless debit/credit card. This can save quite a bit if used a lot for travel that starts in the off-peak period,because the off-peak cap is applied even when some journeys take place in the peak period.