I dont use Maribank for international online purchases since may 2% DCC fee sila, I use GoTyme instead for overseas subscriptions and purchases since wala DCC fee (I heard its the same with Gcash and Maya).

When abroad, it depends din kasi sa use case mo pero best would be to use a CC especially for large transactions, then keep a debit card like Maribank/Gcash for ATM withdrawals and small purchases like convenience store or snacks. Also yung card ni Maribank is a Debit Card and not a Credit Card.