I'm sure most of us have felt the frustration of not getting to use a gift card before it expires.  Or having to rush in and end up buying something that in hindsight you wish you hadn't.  That's all about to change, at least in NSW.   And I'm sure it won't take long for retailers to adopt the three year expiry extension on gift cards all around the country.   It will create some disruption and compliance costs for retailers however, putting further pressure on their margins.