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HDFC A/C Upgrade from Imperia to Infiniti

aam.aadmi

TF Select
I've been offered an upgrade from Imperia to Infinity. Among the other benefits, what stand out are:
  • Enjoy unparalleled benefits with Infiniti Debit Card. Maximum rewards & maximum security along with some bespoke experiences on the VISA Infinite platform
    Infiniti-264-167.png
  • Enjoy limitless exclusivity with Infinia METAL Edition Credit Card
both offered as FYF, with spend threshold based fee waiver for the Infinia CC. No fee waiver for the Infinity DC, annual fee ₹2500 + tax from 2nd year onwards.
Should I consent to the upgrade? And, if I do, will it be possible to downgrade the CC/DC after 1 year?
 
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