Money Matters Team

Beat trainflation: how to save on season tickets

By Money Matters Team 16/12/2016

Saving money feels good. Saving it on essentials like train travel feels even better.

Regulated rail fares in England and Wales and regulated peak-time fares in Scotland are due to rise by 1.9% at the start of January. If you’re able to act fast you could lock in this year’s price. We’ve built a handy tool to help you calculate how much you could save on your season ticket if you buy before January 2017, and how many Nectar points you could earn with a Sainsbury’s Bank 0% purchase credit card.

Enter your current season ticket cost below.

But if you have to wait until next year, you could still save money by purchasing a season ticket (which typically gives you 10% saving) using a 0% interest credit card. This means you can pay the lump sum now and pay it up over time - just remember to clear the balance before the interest free period ends!

Beat the increase, save some money and sit back and enjoy your journey.


Estimated 2017 ticket costs are calculated based on a 1.9% rise in regulated rail fares in England and Wales and regulated peak-time fares in Scotland, due to take effect from January 2017.
Historic ticket estimates are calculated based on Office of Rail and Road Rail Fares Index – standard class unregulated across all operators.

Sainsbury's Bank credit Card Nectar points are collected on each full £1 of each separate shopping and fuel transaction at Sainsbury's. Excludes Sainsbury's Telecoms and Energy, which will be treated as non-Sainsbury's purchases. For non-Sainsbury's purchases 1 Nectar point is earned on each full £5 of each separate transaction. Travel Money purchases are not eligible for points. Nectar points are awarded to you by Sainsbury's Supermarkets Ltd and Sainsbury's Bank plc, who reserve the right to alter or terminate the offer at any time. Please allow up to 60 days from your credit card statement date for points to be credited to your Nectar account. The Nectar loyalty programme is operated independently of Sainsbury's Bank by Aimia Coalition Loyalty UK Ltd, and the collection and use of points is governed by the Nectar Collector Rules, which are set out in the registration pack and are also available at

Representative example

Purchase rate is With a representative Assumed Credit limit:
p.a. variable

18.9% APR


Sainsbury's Bank Nectar Credit Cards are available to new Sainsbury's Bank Credit Card customers only. We treat all our customers and their applications for a Sainsbury's Bank Nectar Credit Card on an individual basis. The interest rate and credit limit we offer are determined by the details you supply, along with an independent verification of credit and repayment history. To keep your promotional rate you must pay at least the minimum payment by the due date and stay within your credit limit. Nectar points collected using your Credit Card are in addition to the points you collect from swiping your Nectar Card or using it online during a transaction.

This Money Matters post aims to be informative and engaging. Though it may include tips and information, it does not constitute advice and should not be used as a basis for any financial decisions. Sainsbury's Bank accepts no responsibility for the opinions and views of external contributors and the content of external websites included within this post. Some links may take you to another Sainsbury's Bank page. All information in this post was correct at date of publication.