This is exactly what I do. I have Visa debit/credit cards issued by HSBC UK. They are locked until I need to use them and then they are unlocked using HSBC app when I need to pay for something and then re-locked once the transaction has completed. I also keep my Thai bank daily transaction limits low, as you recommended in another post. I don't have any Thai bank cards and use cardless withdrawal to get money from ATMs. No chance of losing the card or it being swallowed by an ATM or the card being "skimmed", if you don't have one.