Another advantage of using Apple pay or Google pay when travelling is they work on lot of public transport in Europe and parts of USA. eg use your phone for tap and go on the Tube in London it will only bill you up to the daily (or weekly) price cap, additional trips are not charged so better than purchasing Oyster card or a daily pass. Also a better option is to use a Wise card (Visa Based) which operate in local currency and offer very good exchange rates. So not paying expensive visa currency exchange rates and the added advantages of having a local bank account in up to 50 countries. Also works well for online purchases in foreign currency