I just got back from a trip to India. DCC has gone out of control. Marriott hotel insisted only DCC. Only when I threatened this s my last stay there and I would complain to Marriott USA, then the guy brought out an old terminal for processing non DCC. He told me that IDBI bank has INSISTED all transactions MUST be DCC by default. I also stayed at two Hilton hotels. Their defaultLt is DCC. but if you request no DCC prior to paying, they happily do a non DCC transaction. I recommend including India in the high risk countries because banks are now actively giving instructions for no choice to customer and there is sharing of the spoils between bank and merchants.