Banking

You need to update your SBI account to access YONO business services, but for that you'll need to register your existing account for corporate internet banking through the YONO Business portal or by visiting your SBI branch. It's available for proprietors, partnerships, companies, and other registered business entities with valid KYC.

Yes, the BHIM app offers features like transaction history and QR code payments. There is a new updated version, BHIM 3.0. This update includes BHIM Vega, which lets you pay directly within apps. Additionally, it may have features to assist merchants in better viewing and comprehending their transactions.

The SBI Elite CC is too expensive for everyday or regular spending because it is designed for luxury lifestyles like lounge access and milestone awards, with an annual charge of ₹4,999 that is waived on ₹10L spent.

On the other hand, the Amazon Pay ICICI Card provides basic cashback, making it more cost-effective for everyday purchases.

For your business, a business loan is ideal; however, a personal loan can also be an option, although it may have a potentially higher interest rate.
The online EMI calculator is used to calculate the manageable EMIs. Try to choose the EMI that doesn't exceed 45-55% of your income.

Yes, you can get a 0.4% return as well. The majority of customers receive their returns by carefully using their points to purchase particular goods or coupons, such as HDFC's "Gold Catalogue" for particular debit card types or their SmartBuy platform.

Check the SmartBuy portal and the perks of your HDFC debit card to obtain the best redemption possibilities.

SBI, HDFC, ICICI, and IDFC FIRST Bank all offer auto-sweep facilities. The interest is calculated on the fixed deposit rates created by the sweep. Minimum balances may vary for different banks. But IDFC offers more flexible options with lower thresholds.

If you don't need cash immediately, then it's better to put all the money in mutual funds. Trust me, it's a wise decision. For stable and steady growth, you could consider a balanced fund or a large-cap fund. The risk factor is very low in these types of mutual funds. 
If you want flexibility, you can transfer this money to your savings account to earn the interest, or you could just put in a short-term fixed deposit.

To improve the credit score, try to repay all the dues on time and try to reduce the usage of credit cards. These are some important thing that you need to do.

Apart from this, negotiating debt settlements and disputing genuine errors, credit repair services can also help.

Regalia Forex Plus is ideal for frequent travelers, as it has 0% cross-country markup in USD, which makes it more versatile, and you can spend in AED in the UAE with no need to pay an extra fee beyond the initial USD load rate. The multicurrency Forex card is best for travelers going, and it allows loading multiple currencies (including AED).

So for your UAE trip, I suggest using the Multicurrency card loaded directly with AED might be more straightforward, as you'd lock in the AED rate.