I have Tata neu infinity and Regalia gold FYF. I have not spent enough in this year in Regalia gold and expecting annual fee in next month. I have 25k points balance as of now and want suggestion on how to keep this points balance by shifting it to some card or rotate it some way since i dont have any plans to book flight or hotel in next month. I am planning to close regalia gold before 1 year. Please advice