We also bank with Suncorp and use a visa debit card for any overseas purchases (either buying online from a foreign store or when travelling overseas).
We find the exchange rates applied are okay, but there is a 3% foreign exchange converson fee. See Suncorp Visa Debit Cards. There are also no annual fees which means the costs for us work out better than using a credit card…overseas transactions are infrequent/irregular.
With a Visa debit, one needs funds in ones account rather than relying on credit.
It may be an option since you already bank with Suncorp.
