Crossword Genius

Top club, perhaps on island (5)

Ross

I believe the answer is:

cardi

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'top' is the definition.
I don't know anything about this answer so I can't judge whether this works.

'club perhaps on island' is the wordplay.
'club perhaps' becomes 'card' (clubs is a playing card suit).
'on' is a charade indicator (letters next to each other) (in a down clue, letters appear on others).
'island' becomes 'i' (geographical abbreviation).
'card'+'i'='CARDI'

Can you help me to learn more?

(Another definition for cardi that I've seen is " woolly".)

I've seen this clue in The Times.
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