# What fees does DeCard and DeCard Luminaries charge?

<table><thead><tr><th>Fees and Charges</th><th width="183">DeCard SGD Card</th><th width="192">DeCard USD Card</th><th width="205">DeCard Luminaries Card</th></tr></thead><tbody><tr><td>Annual Fee</td><td>S$0</td><td>US$0</td><td>US$388</td></tr><tr><td>Virtual card issuance</td><td>S$0</td><td>US$0</td><td>US$0</td></tr><tr><td>Physical card issuance if applicable</td><td>S$10</td><td>US$10</td><td>US$100</td></tr><tr><td>Card Replacement Fee*</td><td>Virtual card: S$0<br>Physical card: S$10</td><td>Virtual card: US$0<br>Physical card: US$10</td><td>Virtual card: US$0<br>Physical card: US$100</td></tr><tr><td>Delivery fee if applicable</td><td>Delivery fee varies by market.</td><td>Delivery fee varies by market.</td><td>Delivery fee varies by market.</td></tr><tr><td>Cash Advance Fee</td><td>1% of the Cash Withdrawal Amount or S$5 (whichever is greater) per Cash Withdrawal; plus any service charge or other fee imposed by the ATM operator in respect of an ATM Cash Withdrawal.</td><td>1% of the Cash Withdrawal Amount or US$5 (whichever is greater) per Cash Withdrawal; plus any service charge or other fee imposed by the ATM operator in respect of an ATM Cash Withdrawal.</td><td>1% of the Cash Withdrawal Amount or US$5 (whichever is greater) per Cash Withdrawal; plus any service charge or other fee imposed by the ATM operator in respect of an ATM Cash Withdrawal.</td></tr><tr><td>Foreign Exchange (FX) Fee</td><td>All transactions charged in foreign currencies will be subject to an administrative fee of 1.8%.</td><td>All transactions charged in foreign currencies will be subject to an administrative fee of 1.8%.</td><td>All transactions charged in foreign currencies will be subject to an administrative fee of 1.8%.</td></tr><tr><td>Digital Asset Conversion Fee</td><td>0% markup, as per market rate.</td><td>0% markup, as per market rate.</td><td>0% markup, as per market rate.</td></tr><tr><td>Funding Fee</td><td>0%</td><td>0%</td><td>0%</td></tr><tr><td>Inactive Account Fee</td><td>An Inactive Account Fee of S$5 will be charged if the card remains inactive for 90 consecutive days after approval.</td><td>An Inactive Account Fee of US$5 will be charged if the card remains inactive for 90 consecutive days after approval.</td><td>N.A.</td></tr><tr><td>Interest Charge</td><td>28% per annum is levied on the Total Indebtedness (excluding the principal amount of each Cash Advance) unless the closing balance on both the current and previous Statements has been paid in full by the respective Payment Due Date and all Cash Advances are interest-free. If interest is to be debited, Total Minimum Interest of S$3 per account per month is charged if the interest would otherwise be less than S$3.</td><td>28% per annum is levied on the Total Indebtedness (excluding the principal amount of each Cash Advance) unless the closing balance on both the current and previous Statements has been paid in full by the respective Payment Due Date and all Cash Advances are interest-free. If interest is to be debited, Total Minimum Interest of US$3 per account per month is charged if the interest would otherwise be less than US$3.</td><td>28% per annum is levied on the Total Indebtedness (excluding the principal amount of each Cash Advance) unless the closing balance on both the current and previous Statements has been paid in full by the respective Payment Due Date and all Cash Advances are interest-free. If interest is to be debited, Total Minimum Interest of US$3 per account per month is charged if the interest would otherwise be less than US$3.</td></tr><tr><td>Late Payment Charge</td><td>S$50 if the Minimum Payment is not received by Payment Due Date.</td><td>US$50 if the Minimum Payment is not received by Payment Due Date.</td><td>US$50 if the Minimum Payment is not received by Payment Due Date.</td></tr></tbody></table>

*\*Physical card delivery fees are not included in the card replacement fee and will be charged separately, if applicable.*


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