Can I use the PayRewards Mastercard gift card overseas, and what are the fees? Yes, you can use the PayRewards Mastercard gift card for overseas transactions wherever Mastercard is accepted.Please note that any international transaction will incur a Foreign Exchange Fee of 2.99% on the purchase amount. Related articles Can I use PayRewards pre-paid Mastercard gift cards to get cash out of the ATM? PayRewards transfer rates into our transfer partners Are the fees I pay tax deductible? What are pay.com.au's fees? Can PayRewards Mastercard Gift Cards be used to make purchases online?