As a precautionary practice always check your receipt, and if you see anything involving your home currency in a country that doesn’t use your home currency, ask the merchant to recalculate the amount in the foreign local currency. In some cases, the merchant may claim that their credit card terminal automatically does the conversion, but Visa/MasterCard merchant agreements generally require the merchant to offer transactions in foreign local currency.
Visa/MasterCard requires the merchant to disclose the DCC charges and provide customers with a choice of getting the bill in foreign or the domestic currency. If you do not want to use DCC, you have the right to refuse the offer and have your transaction billed in the foreign local currency.
Author is CEO, Bankbazaar.com