Where can I use my Visa card when I travel internationally?
You can use your Visa card virtually anywhere you travel around the world.
What benefits do I get for using my Visa card when travelling?
There are a number of benefits for using your Visa card when travelling.
Safety
- Carry your Visa card to avoid carrying large amounts of cash.
Convenience
Visa cards give you access to funds when and where you need them.
Security
- Visa cardholders are protected from fraudulent transactions through Visa's Zero Liability* Program.
- Visa Customer Care Service provides emergency assistance 24 hours a day, 7 days a week and is just a toll-free telephone call away.
A More Cost Effective Way To Pay
- Visa cardholders receive a foreign exchange rate that is typically better than that used to convert cash by a local currency dealer.
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What do I do if I've lost my Visa card while travelling?
If you're travelling–no matter where you are in the world–you should immediately contact Visa Customer Care Service using our worldwide network of toll-free telephone numbers. Our customer service representatives are available 24 hours a day, 7 days a week, to help you. They'll take your lost or stolen card report, arrange for a replacement card or emergency cash delivery for Visa Gold and Visa Platinum cardholders with your financial institution's approval, and answer any other Visa card or travel-related inquiries.
* Certain restrictions apply
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What is Dynamic Currency Conversion?
Dynamic Currency Conversion (DCC), may also be referred to as Cardholder Preferred Currency (CPC), is a service offered by merchants - not Visa - in some countries when you are traveling abroad. If you choose to use the DCC service, the merchant will convert the purchase price of goods or services at the point of sale from the currency in which the price (i.e., the merchant's local currency) is displayed into another currency (i.e. your home currency) using an exchange rate that typically includes a service fee.
Here's an example of a DCC transaction:
A U.S. Visa cardholder is in Singapore and decides to purchase a box of chocolates priced at SGD 20. At checkout, the merchant offers the cardholder the option to pay in USD using a DCC service.
The merchant dynamically converts the SGD transaction amount to a total USD 15.80 based on the prevailing exchange rate plus a 2.5% mark-up and a 2.5% fee. The DCC transaction amount and transaction currency (in USD) are disclosed to the cardholder along with the exchange rate, the mark-up, and the fee.
The cardholder actively chooses DCC by checking a box on a printed receipt or pushing a button on an electronic screen and agrees to pay USD 15.80 for the box of chocolates.
If you do not want to use DCC when making a purchase, then you have the right to refuse the offer and have your transaction billed in the merchant's local currency, which will then use Visa's conversion rate. If you did not agree to DCC, but see it on your bill, then you should ask your issuing bank to contest the charge.
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