I just spent 1572 thai baht and 208 in a super market at Bangkok have to see how much forexx will they chg as it said 1.99% and also have to see if I get 5percent cashback on I ternatii al spends as per their tnc. I did not get any message in Thailand they just inserted the card and sale receipt came never had to put pin. Surprise anyway I have kept bills in case of any extra charges for safety