Never bothered with a PIO card as I went straight in with an OCI card.

I realised it was nothing more than a glorified lifetime visa the moment they pasted your foreign nationality and foreign passport onto the certificate, and that you still needed to travel with your foreign passport and that it would still be stamped on and out of India.

But the pain free travel to India for 10 years and counting has been totally worth it..........who can remember the days when you had to apply for visas resulting in a very early morning to wait in line for hours so that we got a taste of Mata Bharat's paperwork and officialdom at the consular and visa section at your local mission?