Great grandmother Elizabeth Massingham scooped more than £99,000 on the bingo, then calmly celebrated with a cup of tea.
The numbers were coming up thick and fast for the shocked 69-year-old, who lives in Rose Hill, Oxford, but she was able speak despite her astonishment at completing a full house after just 35.
Mrs Massingham, who has five children, 14 grandchildren and two great grandchildren, said: "I didn't sleep that night - just the shock I think and the excitement.
"The numbers kept coming out one after the other. I was so shocked but I managed to shout 'Bingo', mind you."
Mrs Massingham, who has five children, 14 grandchildren and two great grandchildren, won the National Bingo Game prize of £95,000 plus a regional prize of £4,680.22 and the house prize of £60.23 at the Gala Club in Cowley Road, east Oxford, on Thursday.
Assistant manager Jeremy Crooker, who was calling on the night, said: "It was actually quite funny as there was this deathly silence then everybody just started applauding.
"She was the calmest person of all of us. I went and told her before I announced it and she said 'Yeah, ok'. I was so excited, I lost it really. It was the first one I had as a manager and it was wonderful.
"Her son came to pick her up and he was shocked. Everyone was really happy. We are genuinely ecstatic for her."
Mrs Massingham, who is going to share her winnings with her daughter-in-law Rita Massingham, who goes to bingo with her, was offered an alcoholic drink but turned it down for a cup of tea. She said: "I don't drink a lot and tea was just right for me. I don't think it's sunk in." Mrs Massingham, who has been going to the club for six years and also won £1,000 a few years ago, did not tell her husband Leslie, 69, a retired Unipart cleaner, until she got home.
She said: "He was out walking the dog and thought I was having a joke when I told him the good news. He's thrilled. I have had so many phone calls - people get to know without you telling them. His ex-workmates knew."
Mrs Massingham, who also enjoys knitting, reading and gardening, thinks she might spend part of her windfall on a holiday - but only in England.
Grandmother Irene Taylor, 57, of Little Tew, near Chipping Norton, picked up nearly £110,000 when she also got a full house in the National Bingo Game at the Welcome Club, in Broad Street, Banbury, last week.
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