refresh rate is how often your monitor checks what is to be displayed on the screen (computer by CPU/GPU) and displays it on the screen.
If your game computes, say 90 images per second, a 60Hz monitor will still only fetch 60 times per second whatever image the game has computed, and display it on the screen. So not all of these computed image will actually be displayed. Only 60 of them each second for a 60Hz monitor (and 144 of them per second for a 144Hz monitor, etc)
TLDR: if you have a 60Hz monitor, every fps about 60 is useless and you should just cap it at 60 in your game to avoid unnecessary energy consumption/heating from GPU (if game doesn’t offer that option you can also cap it at 60 fps in graphics card parameters)
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