How do you use a railcard on TFL if you pay by phone or debit/credit card?

score:11

You cannot.

As of November 2022, contactless (bank cards or NFC devices) support only extends to a "pay as you go" model for a single adult fare with daily and weekly cap.

For railcard discounts, student/young persons discounts, travelcards, season tickets, etc., a registered Oyster card is required.

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Source: stackoverflow.com

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