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](https://www.hdfcbank.com/personal/products/cards/forex-cards/multicurrency-forexplus-card) 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.