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-   -   Difference between using Opal and MasterCard/Visa (https://www.flyertalk.com/forum/oceania-australia-new-zealand-south-pacific/2009537-difference-between-using-opal-mastercard-visa.html)

lsquare Feb 17, 2020 8:30 pm

Difference between using Opal and MasterCard/Visa
 
I asked at the train station and the rep said it's the same. No discount whatsoever. If that's the case, then what's the point of using an Opal?

CPMaverick Feb 17, 2020 8:54 pm


Originally Posted by lsquare (Post 32084111)
I asked at the train station and the rep said it's the same. No discount whatsoever. If that's the case, then what's the point of using an Opal?

Various reasons.

- Opal is the only way to pay cash (by topping up your Opal with cash) and obviously not everyone has a credit card
- You can get concession Opal cards for students, elderly, etc which give discounts not available via credit card
- Opal was there first so even if they wanted to discontinue it, it would take time

lsquare Feb 17, 2020 9:07 pm


Originally Posted by CPMaverick (Post 32084177)
Various reasons.

- Opal is the only way to pay cash (by topping up your Opal with cash) and obviously not everyone has a credit card
- You can get concession Opal cards for students, elderly, etc which give discounts not available via credit card
- Opal was there first so even if they wanted to discontinue it, it would take time

Can you confirm that the the rep is right that credit card users get discount as well?

I feel stupid for getting the card now since I might not use up all of the funds on the Opal. I don't go to Sydney all that often.

CPMaverick Feb 17, 2020 9:15 pm


Originally Posted by lsquare (Post 32084216)
Can you confirm that the the rep is right that credit card users get discount as well?

I don't know what this sentence means.

I thought I was pretty clear, but unless something has changed recently, if you use a contactless credit card to pay, it pays for an Adult fare. Concessions for seniors, children, etc require an Opal card.

lsquare Feb 17, 2020 9:18 pm


Originally Posted by CPMaverick (Post 32084241)
I don't know what this sentence means.

I thought I was pretty clear, but unless something has changed recently, if you use a contactless credit card to pay, it pays for an Adult fare. Concessions for seniors, children, etc require an Opal card.

I guess I was and still is confused. When I did a quick search in Google, it said I get a discounted adult fare when using Opal. The train rep said the rate is the same for both Opal and MasterCard. Thank you for taking the time to respond.

bensyd Feb 17, 2020 9:29 pm


Originally Posted by CPMaverick (Post 32084241)

I thought I was pretty clear, but unless something has changed recently, if you use a contactless credit card to pay, it pays for an Adult fare. Concessions for seniors, children, etc require an Opal card.

Yes, that's right and obviously assuming you use the same CC you get the daily caps etc.

lsquare Feb 17, 2020 9:33 pm


Originally Posted by bensyd (Post 32084276)
Yes, that's right and obviously assuming you use the same CC you get the daily caps etc.

Thanks bro! Can you tell me what the merchant code is? I wonder if Chase or Citi will classify this as travel, but I won't know until a few days from now when my transaction is posted.

At SYD, the minimum top up is $35. Since going to and from the airport is A$17.49, I guess I'll use most of it up by the time I leave. Having said that, what's the best way to drain the card to A$0? I'll keep the card as souvenir.

Mwenenzi Feb 17, 2020 9:39 pm

The Opal card was introduced a long time before the system could take contactless credit/debit cards (2017~2018~2019)
Both have the daily caps limit (~discount)

https://transportnsw.info/tickets-opal/
https://en.wikipedia.org/wiki/Opal_card

Enjoy your time in Sydney.

lsquare Feb 17, 2020 9:41 pm


Originally Posted by Mwenenzi (Post 32084296)
The Opal card was introduced a long time before the system could take contactless credit/debit cards (2017~2018~2019)
Both have the daily caps limit (~discount)

https://transportnsw.info/tickets-opal/
https://en.wikipedia.org/wiki/Opal_card

Enjoy your time in Sydney.

I wished I had asked you before buying an Opal card.

Thank you, I think I will. The weather is fantastic! Sure beats New York at the moment!

Mwenenzi Feb 17, 2020 9:50 pm

There are threads on SYD public transport. Used to be a lot better until 24 Feb 2017, when many threads were trashed in a (very poor) merge of threads

CPMaverick Feb 17, 2020 9:55 pm


Originally Posted by lsquare (Post 32084248)
I guess I was and still is confused. When I did a quick search in Google, it said I get a discounted adult fare when using Opal. The train rep said the rate is the same for both Opal and MasterCard. Thank you for taking the time to respond.

A standard Opal card on its own offers no discount. You can get discount Opal cards, if you are in an eligible category.

You can use Opal card on public ferries as a way to do something 'fun'. Or you can give it to a homeless person or someone waiting in line to buy one at the airport when you leave.

lsquare Feb 17, 2020 9:57 pm

Hey guys, any tips on how to completely drain my Opal now?

IMOA Feb 18, 2020 3:19 pm

Just a quick comment, my understanding is you only get the discounts (caps) using a credit card if it is a credit card which is linked to an opal account, if you're using a credit card which has no linked opal account then you do not get the discounts/caps. At a point in time a while back that is what I saw happening so went back to using opal and credit card as emergency.

Mwenenzi Feb 18, 2020 3:27 pm


Originally Posted by IMOA (Post 32087332)
Just a quick comment, my understanding is you only get the discounts (caps) using a credit card if it is a credit card which is linked to an opal account, if you're using a credit card which has no linked opal account then you do not get the discounts/caps. At a point in time a while back that is what I saw happening so went back to using opal and credit card as emergency.

While no direct experience with contactless in Sydney, do not see any requirement to register a cc to an Opal account, to get the daily cap level.
If wanting a student, senior, etc discount may have to, otherwise the system would not know you are eligible for the concession discount.

https://transportnsw.info/tickets-op...to-pay-content

From https://transportnsw.info/tickets-op...ts/adult-fares

Daily and Weekly Caps
With an Adult Opal card you can travel as much as you want on metro, train, bus, ferry and light rail services within the Opal network and you never pay more than $16.10 a day, $50 a week, or $2.80 on Sunday.

Please note that:

How fares are processed

Like Opal card fares, contactless fares are calculated according to the distance you travelled – from where you tap on to where you tap off, and are therefore calculated at the end of your journey.

After you tap on, a pre-authorisation $1 charge will appear as a pending transaction on your statement. As you travel throughout the day, fares will be accumulated and the total cost of the day’s travel will be processed at the end of each day. The total cost will replace the $1 charge.

The description on your credit or debit card statement will appear as ‘TransportforNSW Tap’ or ‘TransportforNSW travel Sydney’. The date the payment appears may vary from the actual travel date depending on your bank’s processing time.
Anyway lsquare may be able to tell us in few days, if he has used the system a lot (daily cap)

CPMaverick Feb 18, 2020 4:36 pm


Originally Posted by IMOA (Post 32087332)
Just a quick comment, my understanding is you only get the discounts (caps) using a credit card if it is a credit card which is linked to an opal account, if you're using a credit card which has no linked opal account then you do not get the discounts/caps. At a point in time a while back that is what I saw happening so went back to using opal and credit card as emergency.

I don't believe this is correct.

You cannot get discounts using a credit card. You must get the Opal card with your discount (senior, child, etc) applied.

The daily limits DO apply to credit cards (assuming you always use the same one) and there is no action required, this happens automatically.

I re-read the terms and this is what I still see. If I am incorrect please point me to the T&C.


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