With my chip&pin VISA I observed that card terminals with additional customer PIN pad offer the DCC option to the cashier after entering the PIN even though the PIN pad displays the amount in PLN only. In Poland be suspicious with English text on the PIN pad display, e.g. AMOUNT PLN 150 ENTER PIN and check carefully what the cashier is doing on his terminal after the PIN has been entered.
I was DCC scammed in Poland today as well. I went to a restaurant with colleages, paid the bill by credit card, used the contactless function and the the screen read ”XXX PLN - Enter PIN”, after entering the PIN, the screen displayed a Polish flag and the flag of my country, and the waitress asked ”Polish or your country?” I answered Polish, the waitress pressed the button below the Polish flag, but she also said, “I don’t know if we made it in time, we only have three seconds to press the button, otherwise it bills in your currency.“ And - we missed the deadline by a millisecond, so when the slip came out, DCC was applied. I didn’t want to make a fuss in front of colleages, so we just left (but without leaving any tips).