u/_Floydimus

Was a Citi Gold customer and then Axis Burgundy (after Citi sold its retail arm).

Citi was a flawless experience; Burgundy not so.

The RMs are the most incompetent fucks. The benefits are being stripped away without replacement or intimation.

Customer care is okay-ish.

No benefits of maintaining balance upwards of ₹40L (SA + FDs).

Any good bank (preferably private) that provides a better experience and benefits to their retail customers? I am looking on the lines of a/ no charges or fees for every small thing, b/ competent RMs with promptness, c/ benefits on debit card, d/ digital access (no branch visits).

Rest all is okay.

Let's saw you have ₹15L emergency funds (medical + job loss), which vehicle will you pick?

Fixed deposits

1. Risk: Low

2. Returns: 6.25%

3. Tax: Slab rate (in most cases where ₹15L is emergency fund amount, the slab will be 30% + surcharge+ cess)

4. Liquidity: instant with penalty (if withdrawn before maturity)

Arbitrage funds

1. Risk: Low (performance improves with higher market volatility)

2. Returns: 6% to 7.5% annualised returns

3. Tax: 20% STCG and 12.5% LTCG (₹1.25L tax exempt and can reduce tax with effective harvesting)

4. Liquidity: T+2 with 30 days exit load penalty

Tax benefit is the single biggest leakage prevention. Where will you park your emergency funds?

Simply because it is easier to import across apps and extensions.

I'll start with what I actually believe: Georgia looks stunning. The monasteries, the mountains, the old town, the food — I've spent months researching this trip. I wasn't coming as a casual tourist. I was coming for the Orthodox polyphonic chanting at Anchiskhati on a Sunday morning. I was coming for Vardzia and Svetitskhoveli. I had an itinerary built around your culture, not your Instagram highlights.

My wife got her visa. I didn't. Three attempts. Three fees. One fabricated rejection reason.

Third attempt rejection cited a "modified bank statement." It wasn't modified. Same bank. Same statement. Same everything as my wife's application that sailed through. The only variable was whose name was on the form.

I'm Indian. Make of that what you will.

I'm not here to call your people racist. Every Georgian I've interacted with online has been warm, helpful, and genuinely excited that someone was coming to experience the culture seriously rather than just party in Batumi. This isn't about your people.

It's about a consular system that:

— Provides zero application guidance while quietly rejecting you for not knowing their conventions

— Issues rejection reasons so vague you cannot correct them

— Claims an appeal process exists but links to no form, answers no emails, picks up no calls

— Approves one half of a couple and rejects the other on identical documentation

— Pockets non-refundable fees at every step

The UK let me in. Turkey let me in. UAE let me in. Egypt let me in. All with less money in my account and less paperwork. Countries with far more to protect at their borders looked at my application and said yes. Georgia looked at it and invented a reason to say no.

Your government is actively destroying the goodwill your people have built. Every Georgian travel blogger, every warm host on forums like this one, every person who's told me "you must come, you'll love it" — your administration is undoing all of that one ₹5,000 rejection at a time.

I genuinely hope someone in your government reads posts like this. Not because I want an apology — I've moved on, Armenia is right next door and their visa is on arrival — but because Georgia's tourism potential is real and it is being buried under bureaucratic hostility that reads, to the people on the receiving end, as something uglier than incompetence.

Your country deserves better representation than this. So do your people.

So I planned a honeymoon to Georgia. Beautiful country, great food, amazing history - or so I thought. What followed was one of the most frustrating experiences of my life dealing with any government system, and I want to make sure nobody else goes through this blind.

Attempt 1: I got rejected because I entered my name incorrectly. Fair enough, my mistake. Except - their portal gives you zero guidance on how they want names entered. No format example, no validation, nothing. Azerbaijan's portal tells you exactly what they want. UK's portal has a full guide before you start. Georgia's portal just... lets you fill it wrong and then charges you to find out.

Attempt 2: Rejection reason was so vague I genuinely couldn't figure out what to fix. Reapplied based on my best guess. Wrong guess apparently. Still no clarity from their end.

Attempt 3: Fixed everything. Same documents as my wife's application which got approved. Bank statement - certified, unaltered, straight from the bank. Rejection reason? "Bank statement was modified."

It wasn't. My wife's application with the SAME bank statement got approved. Think about that for a second.

Now here's the fun part - the rejection email says you can appeal within 10 days using a form. There is no form. No link. Nothing on the portal. Emailed them. No reply. Called them. Nobody picked up. The appeal process exists on paper and nowhere else.

I've travelled to the UK, Turkey, Egypt, UAE. All approved me with lesser balance, lesser documents, zero drama. Georgia - a country that desperately needs tourism dollars - is out here rejecting Indians on made up grounds and pocketing the fees.

Their "Visit Georgia" marketing is a straight up lie. The reality is an opaque portal full of glitches, no customer support, no appeal mechanism, and rejection reasons that contradict themselves.

If you're an Indian passport holder planning Georgia - just go to Armenia instead. Visa on arrival, genuinely welcoming, similar history and landscapes, and the people actually want you there. Or Azerbaijan. Their e-visa portal alone shows they respect your time.

Georgia isn't worth the mental gymnastics. There are better countries in the Caucasus and they want your business more.

So I planned a honeymoon to Georgia. Beautiful country, great food, amazing history - or so I thought. What followed was one of the most frustrating experiences of my life dealing with any government system, and I want to make sure nobody else goes through this blind.

Attempt 1: I got rejected because I entered my name incorrectly. Fair enough, my mistake. Except - their portal gives you zero guidance on how they want names entered. No format example, no validation, nothing. Azerbaijan's portal tells you exactly what they want. UK's portal has a full guide before you start. Georgia's portal just... lets you fill it wrong and then charges you to find out.

Attempt 2: Rejection reason was so vague I genuinely couldn't figure out what to fix. Reapplied based on my best guess. Wrong guess apparently. Still no clarity from their end.

Attempt 3: Fixed everything. Same documents as my wife's application which got approved. Bank statement - certified, unaltered, straight from the bank. Rejection reason? "Bank statement was modified."

It wasn't. My wife's application with the SAME bank statement got approved. Think about that for a second.

Now here's the fun part - the rejection email says you can appeal within 10 days using a form. There is no form. No link. Nothing on the portal. Emailed them. No reply. Called them. Nobody picked up. The appeal process exists on paper and nowhere else.

I've travelled to the UK, Turkey, Egypt, UAE. All approved me with lesser balance, lesser documents, zero drama. Georgia - a country that desperately needs tourism dollars - is out here rejecting Indians on made up grounds and pocketing the fees.

Their "Visit Georgia" marketing is a straight up lie. The reality is an opaque portal full of glitches, no customer support, no appeal mechanism, and rejection reasons that contradict themselves.

If you're an Indian passport holder planning Georgia - just go to Armenia instead. Visa on arrival, genuinely welcoming, similar history and landscapes, and the people actually want you there. Or Azerbaijan. Their e-visa portal alone shows they respect your time.

Georgia isn't worth the mental gymnastics. There are better countries in the Caucasus and they want your business more.

So I planned a honeymoon to Georgia. Beautiful country, great food, amazing history - or so I thought. What followed was one of the most frustrating experiences of my life dealing with any government system, and I want to make sure nobody else goes through this blind.

Attempt 1: I got rejected because I entered my name incorrectly. Fair enough, my mistake. Except - their portal gives you zero guidance on how they want names entered. No format example, no validation, nothing. Azerbaijan's portal tells you exactly what they want. UK's portal has a full guide before you start. Georgia's portal just... lets you fill it wrong and then charges you to find out.

Attempt 2: Rejection reason was so vague I genuinely couldn't figure out what to fix. Reapplied based on my best guess. Wrong guess apparently. Still no clarity from their end.

Attempt 3: Fixed everything. Same documents as my wife's application which got approved. Bank statement - certified, unaltered, straight from the bank. Rejection reason? "Bank statement was modified."

It wasn't. My wife's application with the SAME bank statement got approved. Think about that for a second.

Now here's the fun part - the rejection email says you can appeal within 10 days using a form. There is no form. No link. Nothing on the portal. Emailed them. No reply. Called them. Nobody picked up. The appeal process exists on paper and nowhere else.

I've travelled to the UK, Turkey, Egypt, UAE. All approved me with lesser balance, lesser documents, zero drama. Georgia - a country that desperately needs tourism dollars - is out here rejecting Indians on made up grounds and pocketing the fees.

Their "Visit Georgia" marketing is a straight up lie. The reality is an opaque portal full of glitches, no customer support, no appeal mechanism, and rejection reasons that contradict themselves.

If you're an Indian passport holder planning Georgia - just go to Armenia instead. Visa on arrival, genuinely welcoming, similar history and landscapes, and the people actually want you there. Or Azerbaijan. Their e-visa portal alone shows they respect your time.

Georgia isn't worth the mental gymnastics. There are better countries in the Caucasus and they want your business more.

So I planned a honeymoon to Georgia. Beautiful country, great food, amazing history — or so I thought. What followed was one of the most frustrating experiences of my life dealing with any government system, and I want to make sure nobody else goes through this blind.

Attempt 1: I got rejected because I entered my name incorrectly. Fair enough, my mistake. Except - their portal gives you zero guidance on how they want names entered. No format example, no validation, nothing. Azerbaijan's portal tells you exactly what they want. UK's portal has a full guide before you start. Georgia's portal just... lets you fill it wrong and then charges you to find out.

Attempt 2: Rejection reason was so vague I genuinely couldn't figure out what to fix. Reapplied based on my best guess. Wrong guess apparently. Still no clarity from their end.

Attempt 3: Fixed everything. Same documents as my wife's application which got approved. Bank statement — certified, unaltered, straight from the bank. Rejection reason? "Bank statement was modified."

It wasn't. My wife's application with the SAME bank statement got approved. Think about that for a second.

Now here's the fun part - the rejection email says you can appeal within 10 days using a form. There is no form. No link. Nothing on the portal. Emailed them. No reply. Called them. Nobody picked up. The appeal process exists on paper and nowhere else.

I've travelled to the UK, Turkey, Egypt, UAE. All approved me with lesser balance, lesser documents, zero drama. Georgia - a country that desperately needs tourism dollars - is out here rejecting Indians on made up grounds and pocketing the fees.

Their "Visit Georgia" marketing is a straight up lie. The reality is an opaque portal full of glitches, no customer support, no appeal mechanism, and rejection reasons that contradict themselves.

If you're an Indian passport holder planning Georgia — just go to Armenia instead. Visa on arrival, genuinely welcoming, similar history and landscapes, and the people actually want you there. Or Azerbaijan. Their e-visa portal alone shows they respect your time.

Georgia isn't worth the mental gymnastics. There are better countries in the Caucasus and they want your business more.

So I planned a honeymoon to Georgia. Beautiful country, great food, amazing history - or so I thought. What followed was one of the most frustrating experiences of my life dealing with any government system, and I want to make sure nobody else goes through this blind.

Attempt 1: I got rejected because I entered my name incorrectly. Fair enough, my mistake. Except - their portal gives you zero guidance on how they want names entered. No format example, no validation, nothing. Azerbaijan's portal tells you exactly what they want. UK's portal has a full guide before you start. Georgia's portal just... lets you fill it wrong and then charges you to find out.

Attempt 2: Rejection reason was so vague I genuinely couldn't figure out what to fix. Reapplied based on my best guess. Wrong guess apparently. Still no clarity from their end.

Attempt 3: Fixed everything. Same documents as my wife's application which got approved. Bank statement - certified, unaltered, straight from the bank. Rejection reason? "Bank statement was modified."

It wasn't. My wife's application with the SAME bank statement got approved. Think about that for a second.

Now here's the fun part - the rejection email says you can appeal within 10 days using a form. There is no form. No link. Nothing on the portal. Emailed them. No reply. Called them. Nobody picked up. The appeal process exists on paper and nowhere else.

I've travelled to the UK, Turkey, Egypt, UAE. All approved me with lesser balance, lesser documents, zero drama. Georgia - a country that desperately needs tourism dollars - is out here rejecting Indians on made up grounds and pocketing the fees.

Their "Visit Georgia" marketing is a straight up lie. The reality is an opaque portal full of glitches, no customer support, no appeal mechanism, and rejection reasons that contradict themselves.

If you're an Indian passport holder planning Georgia - just go to Armenia instead. Visa on arrival, genuinely welcoming, similar history and landscapes, and the people actually want you there. Or Azerbaijan. Their e-visa portal alone shows they respect your time.

Georgia isn't worth the mental gymnastics. There are better countries in the Caucasus and they want your business more.

We are a couple on our honeymoon to Georgia and agog about the visit.

Query 1:

Wanted to know from the locals whether Prometheus Cave is worth it from Kutaisi as we plan to explore Gelati Monastery, Motsameta Monastery, and Sataplia Nature Reserve the same day.

Out of all the destinations in our itinerary, the cave vibe felt a little off.

Query 2:

We follow a vegetarian diet. How easy it will be for us to find veg food (no eggs; no meat)? We really want to explore the local cuisine but don't want to be restricted by the diet constraints.

Query 3:

We are carrying USDs, where and how can get a good deal for Laris?

Query 4:

Local sim? Which one to get considering we are for 11D/10N. Should we get the Silknet offers unlimited data for GEL 15. Is it really unlimited 5 or is it just FUP (fair usage policy)?

Thank you for helping us out; we really hope we get our visa approval in time as we are scheduled to fly on Thursday night.

Most of my stuff (except photos) can be stored within 15GB.

I don't see any upsides of paying ₹1,300 annually for 100GB of sotrage via Google One.

Really looking to transfer out my photo storage to something better and reliable.

I am open to suggestions, affordability and reliability is must because this is a long term game to store my memories (had multiple instances of data loss in the past due to no back ups).

Alternately, had always wondered about Microsoft's M356 family plan

1. ₹85 per person per month
2. 6 seater plan
3. 1TB per member
4. Access to Outlook and all office suite tools, across devices + cloud

Has anybody used it? Anyone interested in team-ing up?

I have stored my Botwarden passkey within itself, not from a security but a convenience stand point (I have master password, pin, and emergency sheet with backup codes in place), but often times I login to website to make some changes and entering the master password is clumsy.

I am loving the passkey concept and have stored Bitwarden's passkey within itself.

However, on Mac and Ubuntu, both, the website will ask to touch the key or something but won't trigger the browser extension to verify the passkey. Also, when I open the extension to use the passkey, it doesn't work.

So is this by design or something is off? Bug or a feature?

Almost a month of using Bitwarden (Android app, Firefox extension, and occasional web version), I am absolutely loving it, so much that I am even considering the subscription purchase only to showcase my support.

Such a brilliant product; a problem well solved.

Thank you team at Bitwarden and I am glad my opinion evolved. Though I still believe the UX has some scope to be better, no more complaints though.