on the last no annual fee for 1st year cba offer i managed to upgrade to the gold card (you new a min credit limit of 2500$) in branch using the migration form that you can download from cba site. the lady was helpful and enter something in the system and confirmed that no annaul fee would be payable in the first year. also when i called up the call centre to activate it they also confirm that my annual wouldnt be payable until sept in 2 years time becuase of the current due date on the old card. however it all depends who you talk to. i went to another cba branch and called up but they all told me the offer is not for existing credit card customers and that i would still be liable for the annual fee up front which i believe is incorrect. im thinking of getting the wifes card upgraded under the offer too. let me know how you get on?