The card fees are not insignificant with a 2.99 per cent foreign currency charge commonplace, plus some banks with charge you £1 to £1.25 per debit card transaction on top, so that £200 gift may end up costing you an extra £7.23 and that's before postage.Some cards will allow you make these purchases without being charged so it's worth considering keeping one in your wallet for these specific occasions.
However, some advocates for sex workers say this change would make voluntary sex workers more vulnerable, not less.
There are also credit cards that are free to use in these circumstances, including the popular all-round "Everyday Plus" card from MBNA or the Clarity card from the Halifax.
Other credit cards with no charges on currency purchases include those from the Post Office, Nationwide building society (the Select card0 and Saga.
With Christmas just five weeks away, spending on the high street and the internet is starting to ramp up, but watch out for extra card charges if you make any online purchases in a foreign currency.
Norwich & Peterborough building society issued this warning after its research showed consumers paid an estimated £20.7m in fees for items bought online last year.