Is it a good idea to close the card after hitting the 4.5 L milestone and completed 2,3, & 4th month billing and apply afresh( Do IDFC has any cooling off period?). And if one can reapply afresh without waiting, should one go for Wealth CC and Club Vistara after it. Don't have any other card than Club Vistara for now (and i understand they don't issue a core card, if you already have co-branded card)