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RE: How costly is it to use a European credit card in UK? This is how much I paid to exchange Euros to Pounds.

Not unless you exchange more than EUR 1.000 per month with the free plan I use. See further details here: https://www.revolut.com/en-DE/legal/standard-fees/

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studied the terms a bit, seems there are some payment fees also, a fee whenever you pay with the card? and a fee for transferring money to the card? maybe also an international payment fee when used outside the Euro zone / EU?

https://cdn.revolut.com/legal/terms/Germany_International_Payments_Pricing_Sheet.pdf

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