Before making the switch, have you verified whether the fee structure of my card has been affected by the RBI's risk-based pricing guidelines? Even "transparent" banks have fine-print clauses. Would moving accounts really solve this issue, or should you just choose a no-fee product aligned with actual spending?

For any online business, a GST number is mandatory regardless of your turnover. If you have a GST number, then you can easily trade across states, enhance business credibility and compliance, and claim input tax credit on purchases.