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Any facts to back up this assumption ?

"TfL said the amount refunded equated to less than 0.001% of annual fare £3bn revenue collected via pay as you go with contactless."

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It's not an assumption. If you have a railcard, you cannot associate it with a contactless card. That's just not a supported task. Therefore if you travel off-peak, you will be charged more than you would if you had used an Oyster card because you will be charged the public rate instead of the discounted fare you were actually entitled to pay. It's very simple.

https://tfl.gov.uk/fares/free-and-discounted-travel/national...

Another reason to use Oyster (in addition to the fact that people can access their Oyster history currently, it's just Contactless that can't AIUI)

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