Can I use my card in a store overseas?
Yes, you can. When you make an overseas purchase on your Visa Debit card, the transaction is converted into Australian Dollars and calculated at a wholesale market rate.
Transactions are subject to a conversion fee and may incur transaction fees. For more information about the applicable fees, refer to our Fees and Charges booklet or feel free to contact us before you leave.
It’s important to note that many countries have now fully migrated to using secure chip and PIN technology. In some countries a transaction performed with a chip enabled card cannot be completed with a signature, only a PIN. As a result, we strongly recommend that if you do not know your PIN, you request one prior to travelling overseas.
https://www.beyondbank.com.au/need-help/can-i-use-my-credit-card-in-store-overseas