Annual Gold Card

If you buy an Annual Season Ticket or Annual Travelcard in the South of England, you may qualify for an Annual Gold Card which offer discounts on leisure rail travel.

What is an Annual Gold Card?

Annual Gold Cards are Annual Season tickets with a difference!

When you buy an adult Annual Season ticket or Annual Travelcard online or at a station within the Annual Gold Card area and the origin and/or destination are also in the Annual Gold Card area, you are automatically issued with an Annual Gold Card. If your Season ticket is issued on Smartcard or an Oyster card, you will be eligible to automatically receive a Gold Record Card to your registered address. As well as being a Season ticket for a full year, you also get a range of discounts on other leisure rail journeys in the Annual Gold Card area for both yourself and others.

What is the Annual Gold Card Area?

Click the map below to expand to a downloadable map of the area


How much do Annual Gold Card Season tickets cost?

Annual Season tickets are a great way of saving money across the year as, on average, the cost of an Annual Season ticket is calculated to the same as approximately 40 x 7-Day Season tickets so the savings could work out to be huge (and effectively up to 12 weeks of free travel)!

Why not use our Season Ticket Calculator to find the exact cost of an Annual Season ticket for your journey? Remember, Annual Gold Cards are only issued with Annual Season tickets or Annual Travelcards within the eligible area, or to/from a station within the area.

What discounts do I get?

Holders of Annual Gold Cards and Gold Record Cards get the following discounts for journeys that start and end within the Annual Gold Card area after 09:30 Monday-Friday or anytime weekends and Bank Holidays.

1/3 off:

  • Standard and First Class Anytime and Off-Peak tickets for the cardholder and up to three adults travelling with them
  • Off-Peak Day Travelcard Zones 1-6    
  • Oyster Off-Peak pay as you go single fares and the pay as you go daily price cap for journeys on National Rail, London Underground and Docklands Light Railway services. The Annual Gold Card discount will need to be set on an Oyster card. You can ask staff at London Underground, London Overground, TfL Rail and some National Rail stations in the London area to set the discount for you.
  • Anytime Day Travelcards when bought as part of your ticket to London from outside London Zones 1-9 (subject to time restrictions and a £17 minimum fare)
  • PlusBus Day tickets in the Network Railcard area


  • Up to 60% off Child fares for up to four children aged between 5 and 15 years (subject to a £1 minimum fare)
  • Children aged under 5 years travel free of charge
  • Additional one year Railcard for a nominated person (including yourself)* for only £10
  • Discounts on journeys to the Isle of Wight using Wightlink, Red Funnel and HoverTravel (when purchased as part of through journey including National Rail)

*choose from a 16-25, Family & Friends, Senior, Two Together, Disabled Persons or Network Railcard. You can purchase one discounted Railcard, subject to eligibility, anytime during the validity of your Annual Gold Card.

Please note: Digital Railcards, Veterans Railcard and 16-17 Saver are excluded from this offer.


The maximum group size is four adults and four fare-paying children (children under 5 travel at no charge). The Annual Gold Card holder must travel with the group at all times.

Discount cannot be used on journeys due to begin before 09:30 Monday-Friday

Annual Gold Card holders do not need to purchase a ticket for themselves if the journey being made is covered by their Annual Season ticket. When buying discounted Day Travelcards for accompanying adults or children, the Annual Gold must ensure their Annual Season ticket is also valid for travel in the London Fare Zone they wish to travel to, otherwise they must purchase a discounted Off-Peak Day Travelcard for themselves as well.

When can I get the discounts?

Discounts are available for travel at or after 9:30am on Mondays to Fridays. Valid at any time on Saturdays, Sundays and Public Holidays.

Where can I travel?

Annual Gold Card discounted tickets are valid for travel on journeys wholly within the Annual Gold Card area on the following participating train companies services:

c2c Chiltern Railways CrossCountry ‡
East Midlands Railway Gatwick Express Great Northern
Great Western Railway* Greater Anglia Heathrow Express
Island Line London Overground London Northwestern Railway
Southeastern Southern South Western Railway
Stansted Express Thameslink TfL Rail
Transport for Wales West Midlands Railway  

Annual Gold Card discounted tickets are not valid for travel on CrossCountry services north of Banbury.
* Annual Gold Card discounts are not valid on tickets with the route Evesham/Stroud.

Travel is not available on:

  • Journeys wholly or partly outside the Annual Gold Card area
  • Eurostar services
  • Any train where the equivalent full-price ticket is not valid
  • Any shipping or ferry services (except as shown above to/from the Isle of Wight)
  • Rail-Air Coach Link services
  • London Underground services  - except when travelling as detailed above
  • LNER 
  • Avanti West Coast

Discounted Railcards

Annual Gold Card holders can buy one of the following one-year Railcards for only £10 anytime during the validity of their Annual Gold Card for either themselves or someone else:

  • 16-25 Railcard
  • Two Together Railcard
  • Family & Friends Railcard
  • Disabled Persons Railcard
  • Senior Railcard
  • Network Railcard

Annual Gold Card holders can apply for a Railcard for £10 at the National Rail station where they purchased their Annual Season ticket. Holders of Annual Gold Cards bought online or Gold Record Card holders can apply at a local National Rail station, within the Annual Gold Card area (see map above).

A Railcard application will need to be completed by the applicant and, where required, evidence of eligibility and photos – see the relevant Railcard application form for details. The Annual Gold Card holder will need to show their Annual Gold Card or Gold Record Card at the time of purchase and only one discounted Railcard can be purchased during the validity of the Annual Season ticket.

Disabled Persons Railcards are not available to buy at stations. Please contact the Disabled Persons Railcard office for details on how to apply online:

Email: [email protected]
Tel: 0345 605 0525

Alternatively applications for a Disabled Persons Railcard can be made by post by completing and returning the application form, evidence of eligibility and a copy of the front and back of the Annual Gold Card to:  

National Railcards, PO Box 10776, Ashby-de-la-Zouch, LE65 9FA

Upgrading to First Class

Annual Gold Card holders can upgrade to First Class on a route covered by their Annual Season ticket by paying the difference between the full single fare for First Class accommodation and the full single fare for Standard accommodation or a First Class supplement offered by the train company before their journey starts.

Where can I buy an Annual Gold Card?

You can buy an Annual Gold Card Season ticket or Annual Travelcard online or from any station within the Annual Gold Card area.

Who qualifies for an Annual Gold Card?

Annual Gold Cards are automatically issued with an adult Annual Season ticket or Annual Travelcards when:

  • the issuing station is within the Annual Gold Card area or the Annual Season ticket is bought online; AND
  • either the origin station, destination station or both are within the Annual Gold Card area.

If an Annual Travelcard is loaded on to a smartcard or Oyster card, a Gold Record Card will be issued which offers the same benefits as an Annual Gold Card.

There are some circumstances where Annual Season tickets and Annual Travelcards are not issued as Annual Gold Cards, including:

  • Child rate Season tickets
  • Privilege Season tickets
  • Annual Season tickets wholly for travel outside the Annual Gold Card area
  • Annual Season tickets issued outside the Annual Gold Card area
  • Easit scheme Season tickets
  • nNetwork, nTrain and cross boundary nTrain Season tickets
  • Transport for London 16+ Oyster photocards, 18+ Student Oyster photocards and Freedom Passes

Full Terms & Conditions

Full Terms & Conditions for the Annual Gold Card product can be found here.

Related Links


Managed by:

Last updated:   09 August 2021