Originally Posted by Majuki

Correct. Only Visa and MC are subject to DCC with MC being slightly more favorable to the consumer by having a buyer's remorse provision for DCC. By tapping my card I didn't see DCC, but I know for a fact it's been prevalent since around 2016. My first time seeing it was at a cafe in Brisbane 8 years ago (and I reported on it here in the previous thread). I've done trial transactions on previous trips where I try the same card on the same terminal via chip-and-signature, contactless with the card (no signature), and contactless via mobile device (Google pay, no signature). The DCC prompt would only appear when doing the chip-and-signature transaction, but it was easy to opt out if you were aware of what was happening. There should not be a situation in Australia where you do not control the terminal, so you can manage the DCC prompts.

The only thing unfortunately that's nearly ubiquitous these days is the 1-1.5% credit card surcharge. I justify it by using a card with no foreign transaction fee and 1.5-4.5x rewards (on a Chase Sapphire Reserve with a 50% bonus on redemptions) for the categories of my spend, so it's a breakeven in the worst case. Even at 1x, you're probably still breaking even with respect to exchange rate fluctuations.