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by softveda 971 days ago
I am Australian of Indian origin who also visits family each year. I had no such issues you mention (except the google region change). My Australian bank allows cash withdrawal from ATM without forex fee, most shops in Tier1&2 cities I go to accept credit cards. Verification is through in app notification, I get a local SIM. My Australian SIM has free incoming SMS.

The only issue is some places now accept UPI payments only.