The 26-30 Railcard: a £35 card that cuts train fares by a third

The 26-30 Railcard is a personal discount card for anyone aged 26 to 30. It costs £35 for a year and gives one third off rail fares across Great Britain.

What the card gives you

• 1/3 off train travel throughout Great Britain for a whole year.
• 1/3 off single off-peak pay-as-you-go fares on the London Underground and Docklands Light Railway when you pay with an Oyster card.

The morning-peak rule

A £12 minimum fare applies on morning peak journeys: if the discounted price would fall below that, you still pay £12. There is no such floor on daytime, evening and weekend journeys — which is where the card saves the most.

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Who it pays off for

The card pays for itself quickly: one or two intercity trips a year can be enough for the saved third to beat the £35 price. The more you travel outside the morning peak — weekend trips, daytime routes — the bigger the saving.

You buy it on the official 26-30 Railcard site; the digital version links to an app and a plastic card is posted out. Check the official site for the current price and conditions before buying, as they can change.