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Generally a Visa card can be expected to work for (almost) every currency in the world. If the currency of the transaction is different from the currency the card balance is kept in, the issuer will seamlessly convert the money according to the exchange rate for the day.

You pay for this service in the form of slightly worse exchange rates than wholesale forex market quotes -- but the rates on a credit/debit card will usually be better than what you can get at a brick-and-mortar foreign exchange counter.*

As far as I can see, the HDFC Multicurrency ForexPlus appears to be a Visa-branded debit card that can maintain balances in several different currencies. Presumably this allows you to bypass the bank's own exchange rates for those currencies, and instead go seek your own fortune with a forex broker of your choice. But the bank's description doesn't seem to say those currencies are the only ones you can do transactions in.

For zloty I would expect it works just like an ordinary Visa card, converting to one of the currencies you have a balance in.

*) The rates and fees page about the card explicitly lists a 2% markup for cross-currency transactions, so it is clearly possible. It's a matter of temperament whether you consider 2% to be fair or a rip-off, but it compares quite favorably with the 7.5% markup over the ECB reference rate currently offered on zloty by a random exchange counter in Berlin. (I tried to google for currency exchangers in Warsaw, but their websites all seem to be in Polish and the apparent spreads on them are so tiny that I think there must be a separate markup or transaction fee charged that I just don't know how to look for).

Generally a Visa card can be expected to work for (almost) every currency in the world. If the currency of the transaction is different from the currency the card balance is kept in, the issuer will seamlessly convert the money according to the exchange rate for the day.

You pay for this service in the form of slightly worse exchange rates than wholesale forex market quotes -- but the rates on a credit/debit card will usually be better than what you can get at a brick-and-mortar foreign exchange counter.*

As far as I can see, the HDFC Multicurrency ForexPlus appears to be a Visa-branded debit card that can maintain balances in several different currencies. Presumably this allows you to bypass the bank's own exchange rates for those currencies, and instead go seek your own fortune with a forex broker of your choice. But the bank's description doesn't seem to say those currencies are the only ones you can do transactions in.

For Złoty I would expect it works just like an ordinary Visa card, converting to one of the currencies you have a balance in.

*) The rates and fees page about the card explicitly lists a 2% markup for cross-currency transactions, so it is clearly possible. It's a matter of temperament whether you consider 2% to be fair or a rip-off, but it compares quite favorably with the 7.5% markup over the ECB reference rate currently offered on Złoty by a random exchange counter in Berlin. (I tried to google for currency exchangers in Warsaw, but their websites all seem to be in Polish and the apparent spreads on them are so tiny that I think there must be a separate markup or transaction fee charged that I just don't know how to look for).

Generally a Visa card can be expected to work for (almost) every currency in the world. If the currency of the transaction is different from the currency the card balance is kept in, the issuer will seamlessly convert the money according to the exchange rate for the day.

You pay for this service in the form of slightly worse exchange rates than wholesale forex market quotes -- but the rates on a credit/debit card will usually be better than what you can get at a brick-and-mortar foreign exchange counter.

As far as I can see, the HDFC Multicurrency ForexPlus appears to be a Visa-branded debit card that can maintain balances in several different currencies. Presumably this allows you to bypass the bank's own exchange rates for those currencies, and instead go seek your own fortune with a forex broker of your choice. But the bank's description doesn't seem to say those currencies are the only ones you can do transactions in.

For zloty I would expect it works just like an ordinary Visa card, converting to one of the currencies you have a balance in.

Generally a Visa card can be expected to work for (almost) every currency in the world. If the currency of the transaction is different from the currency the card balance is kept in, the issuer will seamlessly convert the money according to the exchange rate for the day.

You pay for this service in the form of slightly worse exchange rates than wholesale forex market quotes -- but the rates on a credit/debit card will usually be better than what you can get at a brick-and-mortar foreign exchange counter.*

As far as I can see, the HDFC Multicurrency ForexPlus appears to be a Visa-branded debit card that can maintain balances in several different currencies. Presumably this allows you to bypass the bank's own exchange rates for those currencies, and instead go seek your own fortune with a forex broker of your choice. But the bank's description doesn't seem to say those currencies are the only ones you can do transactions in.

For zloty I would expect it works just like an ordinary Visa card, converting to one of the currencies you have a balance in.

*) The rates and fees page about the card explicitly lists a 2% markup for cross-currency transactions, so it is clearly possible. It's a matter of temperament whether you consider 2% to be fair or a rip-off, but it compares quite favorably with the 7.5% markup over the ECB reference rate currently offered on zloty by a random exchange counter in Berlin. (I tried to google for currency exchangers in Warsaw, but their websites all seem to be in Polish and the apparent spreads on them are so tiny that I think there must be a separate markup or transaction fee charged that I just don't know how to look for).

Generally a Visa card can be expected to work in for (almost) every currency in the world. If the currency of the transaction is different from the currency the card balance is kept in, the issuer will seamlessly convert the money according to the exchange rate for the day.

You pay for this service in the form of slightly worse rates than wholesale forex market quotes -- but the rates on a credit/debet card will usually be better than what you can get at brick-and-morter cash exchange.

As far as I can see, the HDFC Multicurrency ForexPlus appears to be a Visa-branded debit card that can maintain balances in several different currencies. This allows you to bypass the bank's own exchange rates for those currencies, and instead go seek your own fortune with the forex broker of your choice. But the bank's description doesn't seem to say those currencies are the only ones you can do transactions in.

For zloty I would expect it works just like an ordinary Visa card, converting to one of the currencies you have a balance in.

Generally a Visa card can be expected to work for (almost) every currency in the world. If the currency of the transaction is different from the currency the card balance is kept in, the issuer will seamlessly convert the money according to the exchange rate for the day.

You pay for this service in the form of slightly worse exchange rates than wholesale forex market quotes -- but the rates on a credit/debit card will usually be better than what you can get at a brick-and-mortar foreign exchange counter.

As far as I can see, the HDFC Multicurrency ForexPlus appears to be a Visa-branded debit card that can maintain balances in several different currencies. Presumably this allows you to bypass the bank's own exchange rates for those currencies, and instead go seek your own fortune with a forex broker of your choice. But the bank's description doesn't seem to say those currencies are the only ones you can do transactions in.

For zloty I would expect it works just like an ordinary Visa card, converting to one of the currencies you have a balance in.