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I got a Money-back to regalia Upgrade. But I need to spend 3L per annum to get fee waiver. But with my current spends pattern I can only spend 1.5 to 2L per annum. Can I ask HDFC to waive off the fee after spending 2L? If yes how to ask, does sending request on mail works?

1. I'm currently using Business money back credit card. I got offer to upgrade to Business regalia. But I need normal regalia card. Can I accept the Business regalia offer and ask bank to convert it to normal regalia? I'm a salaried professional. But my agent marked my profile as self-employed...