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I don’t believe you need a web account for the Railcard discounts. You can register your Oyster on the web account after you’ve added the Disabled Railcard to your Oyster at a tube station and travelled with the discount enabled.
The fee for new standard Oyster cards increased to £10 a few months ago.
Others here may know better but my suggestion would be to go to a visitor centre, or a staffed Underground/Liz station and check it on a ticket machine. If staff assistance is required to reveal the number you can ask someone for help.
Note – If it doesn’t have a capital ‘D’ in the bottom-left corner of the reverse side, it’s a first-gen card and won’t be compatible with TfL Go.
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