I'm not sure whether i missed something on the letter telling me i was eligible for the free upgrade but i'm 99% certain it said you wouldn't need to update your direct debits linked to the old gold card number. I just got a failure notice from AGL (gas) along with a note saying they'll be adding $23.10 onto my next invoice because of the failure. I'm on hold now to citibank to get reimbursed for the $23.10. It's not going well so far. I'm now on hold waiting for a supervisor. SO MAKE SURE YOUR DIRECT DEBITS HAVE BEEN UPDATED.