Cards Terms & Conditions

These terms and conditions govern the use of credit and charge cards issued by DCS Card Centre Pte. Ltd. ("DCS"). By using your card, you agree to be bound by the following terms.

1. Use of Card

The card remains the property of DCS and must be returned upon request. You agree to use the card only for lawful transactions and within the assigned credit limit.

2. Payments

You are liable for all transactions charged to the card. Payment of the minimum amount due must reach us by the payment due date shown on your statement. Interest and finance charges apply to outstanding balances at the prevailing rate disclosed in your statement.

3. Lost or Stolen Cards

You must notify us immediately upon discovering that your card is lost, stolen or used without authorisation. Your liability for unauthorised transactions reported promptly is limited in accordance with the applicable ABS guidelines.

4. One-Time Passwords

Access to online services requires verification via a One-Time Password sent to your registered mobile number. You are responsible for maintaining the confidentiality of your credentials and for all activities performed under your account.

5. Fees and Charges

Annual fees, late payment charges and other applicable fees are set out in the Fees & Charges schedule available on our website and may be amended with prior notice.

6. Suspension and Termination

DCS may suspend or terminate card privileges at its discretion, including for suspected fraudulent use, without prior notice where required to protect the account.