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All Mi phone have an app call Explorer app which you can use it to do transfer between phone ROM to microSD. Else like what I mentioned use FTP which is always alot easier than require you to install driver.
I did what was recommended. From the phone to the laptop using the USB for charging other option and then clicking on MTP for video transfer BUT I wanted to transfer directly to the onboard microSD card, instead of the laptop. After I had transferred to the laptop, I took the microSD card, inserted it to my laptop and did the transfer. It is inefficient as it is a 2 stage process. I could not do it via Explorer. If you can give me step by step instruction (consider me dumb) I might be able to do it.
Sorry, I didn't read your question properly the first time. Did not realise that you were asking about 2 things. For the question about moving stuff from phone to SD card, you can use the built in Explorer app to do it, just like how you do it for Windows Explorer. Copy and Paste. I have not used a phone with expandable SD card for very long already, so cannot quite remember. I think there's an option to save directly from camera to SD card. So moving forward, no need to do any copying from phone to SD card. But a word of warning. SD cards are slow compared to built in memory so you will have a performance hit if you do a direct save to SD card. Which is also a reason why I don't use SD cards in phones. I do housekeeping often and get rid of stuff in my phone.