hi my father opened a current account in september and while opening the account he also applied for milennia credit card but his card rejected and after 20 days he got a pre approved offer of money back plus card and we took it and got 40 k limit , my father maintains a very high mab and has high transaction , today i checked that hdfc is giving pre approved millenia card should i close money back plus and take milennia or wait for pre approve regalia