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plat and gold are completely different use cases, gold is for groceries and restaurants and plat purely a travel product
Rising Star
First of all, Gold is really for everyday use and not for travel but Plat is purely for travel. IMO, the $240 credits already make the card worth it.
Ask for a retention offer if you didn't get one last year.
If you never have plat before, i don't suggest upgrading as you'll never be able to get the plat sign up bonus
Ohhh I haven’t even received a sign up bonus that large. Should I hold out?
I would recommend directly signing up for Platinum if you can find higher (150.000p) offer. There are many guides online how to get these offers. It will cost you hard pull but it is worth it.
For Gold, I would try retention offer. Just keep in mind that you could lose your MR if you don't have any other MR card and cancel Gold.