Without a card you will receive all the FTA channels but BBC1 may revert to London and ITV1 to West Midlands.
A card is required for FIVE to appear on the EPG although this can be tuned in manually and accessed through 'Other Channels'
The old 'yellow house' card you have may have been de-activated (and therefore useless) if you have been issued a new 'white' card.
A freesatfromsky card (£20 from Sky) will ensure the correct BBC1/ITV1 regions, that FIVE appears on 105 and the EPG and gets Sky3
FIVER/FIVE US are not free and need a subscription.
A list of all channels available with a FSFS card is below:
FREESAT from Sky - What's on TV - FREESAT from Sky