I don't use my credit card when overseas. I put money on my Qantas Travel card (may not be it's current title), before I leave and use it for every purchase. There are no fees to use the travel money card. You accept Qantas currency transfer rates when you transfer money to it, which I've found to be okay anyway as they often have 'specials'. You can change the currency from your phone app as you travel from country to country, although Europe is easy, just leave your money in euros. If any money is left once I get back home I just use it up doing ordinary everyday shopping.
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