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Ah ok got it Mike! Thanks!
So in short I’ll never be facing issues where I lose out from the lack of a back-office processing with Photocards if I stick to Z1-Z2 and buses which I mostly do anyway! Good to know! Thanks!
Thanks Mike!
In that case the only advantage to using two separate cards is if one with a discounted card triggers the higher daily peak cap by travelling during the morning peak as the first trip (so doesn’t benefit from 1/3 off) but then subsequently only uses buses the rest of the day?
Tube Z1 (Peak from 2025) 2.90 (triggers higher daily cap)
Bus 1.75
etc…
capping at the full-rate future 8.90 Z1-Z2 daily cap.Whereas a separate cap via either Contactless or back-office Oyster processing would be 2.90 + 5.25 = 8.15.
So in short on days like these where I do travel the morning peak the full rate standard blue Oyster would be better whereas on days I travel after 9:30 the discounted Oyster card would be better!
Under the scenario I laid out in the original post, assuming no back-office correction one would be better off it seems using a separate Oyster card for the bus leg of the journey and a separate Oyster Card/Photocard with discount — especially if we assume the tube leg is on peak fares where the discount doesn’t apply.
Thanks Mike!
Looks like I’m better off using two cards then — though that relies on me knowing exactly what modes I’m going to take in sequence!
Is there any news on back-office correction coming to all Oyster cards? Or most likely will we be waiting till Oyster inevitably gets moved onto account based ticketing?
Thanks once again for the prompt answer Mike!
Guess I’ll be sticking to just the Railcard capping for the time being and will give it another look once I’ve done a month of the same traveling pattern.
Thanks for the prompt answer Mike!
Seems that I missed that repeatedly by selecting Student 18+ when looking up the caps on the TfL website.
As an added question for future reference, would that make buying a weekly/monthly/annual Travelcard which 18+ card holders get 33% off more worthwhile or would the Railcard’s lower off-peak capping suffice? Adding to this, there seems to be the lack of a weekly discounted Railcard Z1-Z2 cap which seems to be the full adult cap rather than 33% off which I suppose gives an added pro to the Travelcard? I suppose the answer overall would depend on the amount of peak time travel (in addition to the amount of days I’d travel)?
Additionally, on an unrelated note, I’ve taken a look at your ‘When not to use Oyster’ page and was wondering whether the Gatwick example also applied to Oyster cards with the Railcard Discount applied? Aside from a single where Oyster seems to win hands down regardless, I assume the situation would be the same as regular fares?
