Inactive Account Fee for DeCard

Q1: If I hold multiple DeCards, how will the “Inactive Account Fee” be calculated and charged?

The “Inactive Account Fee” is charged on a per-card basis. If you hold multiple DeCards, each card will be assessed individually to determine whether the fee applies. If there are any cards you no longer need, we recommend that you cancel them and keep only the card(s) you intend to continue using to avoid unnecessary charges.

Q2: Under what circumstances will DCS charge an Inactive Account Fee, and how is it applied?

DCS will charge an Inactive Account Fee if no customer-initiated transaction (of any amount; refunds excluded) has been made on the account for 90 consecutive days.

For accounts meeting this criterion, an Inactive Account Fee of SGD 5 or USD 5 per card (based on the card BIN currency) will be applied at each billing cycle. The deduction rules are as follows:

• Account Balance > SGD 5 or USD 5 The system will perform a monthly review. If the account has remained inactive for 90 consecutive days, the Inactive Account Fee will be deducted.

• Account Balance ≤ SGD 5 or USD 5 The remaining balance will be fully deducted during that month. If the account continues to meet the 90-day inactivity condition in the following month, the card will be closed.

• Account Balance = 0 If the account shows no activity for 90 consecutive days, the card will be closed immediately.