Customer Notifications

With effect from 1 June 2025, transactions bearing the following merchant descriptions1 will be excluded from the calculation and awarding of Cards’ Rewards for DCS Ultimate Platinum UnionPay Card, DCS Ultimate Platinum Mastercard, DCS Flex Visa Platinum Card and DCS Imperium World Elite Card:

  • EZ-LINK*
  • IPAYMY*
  • SIMPLYGO*
  • skrill.com*
  • TRANSIT*
Card Product Revision to transactions with merchant descriptions “EZ-LINK*”, “IPAYMY*, “SIMPLYGO*”, “skrill.com* and “TRANSIT*” with effect from 1 June 2025
DCS Ultimate Platinum UnionPay Card & DCS Ultimate Platinum Mastercard Such transactions will be excluded from the awarding of 2% Cashback
DCS Flex Visa Platinum Card Such transactions will be excluded from the calculation of minimum monthly spend, and excluded from the awarding of Cash Rebate, Miles and Investment Credits
DCS Imperium World Elite Card Such transactions will be excluded from the awarding of Imperium Points

1 Transactions that contain any of the merchant descriptions listed, including any combination, permutation, or derivation, whether in whole or in part, will not be eligible to receive cards rewards.

Effective 1 May 2025, the following changes will apply to the DCS Imperium World Elite Card:

  • The annual fee will be adjusted from S$3,288 (excluding GST) to S$1,188 (excluding GST).
  • Cardholders will earn 4 miles for every dollar spent on overseas transactions, provided they meet a minimum monthly spend of S$4,000 in foreign currency.
  • The first supplementary cardholder (if applicable) will no longer receive a full metal card.

With effect from 1 April 2025, the following clause will be included in the Terms and Conditions for all DCS issued cards:

Cessation of the Card

  1. This Clause shall apply where we make a decision to cease the entire program or services in relation to the Card such that these programs or services will no longer be available to any cardholders of the Card (such decision to be made in our sole and absolute discretion) (the "Cessation"). In the event of a Cessation, you hereby agree that the procedure in this Clause shall govern the Cessation unless an alternative procedure has been published by us on our website or notified to you by any other reasonable means.

  2. We may notify you of the Cessation via any reasonable means, including via notifications on our website. You shall make payment on any outstanding balance in your Card Account to us within 30 days from the date of our notification on the Cessation.

  3. Where you have funds remaining in the Card Account after all payments owing by you to us have been made (the "Credit Balance"), we will transfer the whole of such Credit Balance to another card account you have with us if such a card account exists. If you do not hold another card account with us other than the Card Account, we store the Credit Balance in a separate account (or through any other arrangement as we may deem fit), following which the Credit Balance will only be refunded to you upon your written request. Such written request must be made within 30 days from the date of our notification on the Cessation.If we do not receive a written request from you requesting for a refund of the Credit Balance within this 30-day period, you are deemed to have waived any rights to recover or claim for the Credit Balance.

  4. Any requests, claims, complaints or disputes from you in relation to the Cessation must be made or notified to us in writing within 30 days from the date of our notification on the Cessation. We shall not be liable or responsible in any way for any obligations or losses whatsoever in relation to the Cessation after the aforementioned 30-day period.

With effect from 14 January 2025, the DCS imToken Credit Card programme will be ceased.

Upon cessation of the card programme, please settle any outstanding balances by the payment due date on 22 February 2025. Following that, please be informed that your card will be closed.

For Recurring Arrangements: lf you have any GlRO arrangements, recurring bills, or a credit balance linked to your affected card(s), please make the necessary arrangements prior to card closure, in order to prevent any potential disruptions.

For your security, please cut your card in half before disposal.

With effect from 21 October 2024, the following fee changes for SGD-denominated D-Lite Cards will be implemented:

  • Conversion Commission for foreign currency transactions：Revised from 3.25% to 1.95%
  • ATM Withdrawal Fees: Revised from 1% (minimum S$5) to 3.5% (minimum S$15)

As part of our continuous efforts to go green, we will be replacing all credit card paper statements with eStatements, and discontinue the issuance of paper statements with effect from 1 October 2024.

You may download the DCS Cards App and click here for steps to get access to your eStatements.

Alternatively, you may login to MyDCS portal at https://dcscc.com/login to view your eStatements.

Please note that the following Extraction Fee will be imposed if you require a copy of the paper statement:

  1. S$10 per copy for request of Statement of Account for a Statement Period which is within 12 months before the request date.
  2. S$30 per copy for request of Statement of Account for a Statement Period which is 13 to 24 months before the request date.
With effect from 1 July 2024, the Diners SG Pay app will be discontinued and DCS issued Diners Club Cards will no longer be accepted for SGQR Payments.
Should you wish to uninstall the app before 1 July 2024, it is advisable to delete your card account details before you uninstall the app.
With effect from 20 April 2024, the following complimentary SPARK services will be ceased:
  • Jump-start / Restart of Vehicle
  • Change of Flat Tyre with Spare
DCS VICOM Credit Cardmembers will continue to enjoy the following services offered by SPARK:

SPARK Car Care ) 6383 5000
Towing Service ) 6553 1111
8www.cdge.com.sg
Normal Towing of Vehicle to SPARK Car Care Workshops FREE (worth S$75)
Pre-LTA Car Inspection Check FREE (worth S$60)
Pre-Driving Trip Vehicle Check FREE (worth S$60)
Car Servicing Packages 5% Off published rates
Car Grooming Services 5% Off published rates
With effect from 13 April 2024, we will cease awarding Club Rewards points on DCS D-Lite Cards. Please visit here to redeem outstanding points by 30 June 2024.

In conjunction with the revision of GST, the Annual Fee and Card Replacement Fee for DCS Cards will be revised to the following with effect from 1 January 2024:

Annual Fee effective 1 January 2024
(Inclusive of 9% GST)
Card Product Principal Credit Card Supplementary Card S$500 Limit Card (if any)
Diners Club International Credit Card S$196.20 S$87.20 N.A.
Diners Club International Charge Card S$109.00 S$76.30 N.A.
Diners Club International Ace Credit Card N.A. N.A. S$30.52
DCS CASHBACK Credit Card S$196.20 S$87.20 S$30.52
DCS DON DON DONKI Credit Card S$196.20 S$87.20 S$30.52
DCS Mustafa Credit Card S$196.20 S$87.20 S$30.52
DCS POPULAR Credit Card S$196.20 S$87.20 S$30.52
DCS Sheng Siong Credit Card S$196.20 S$87.20 S$30.52
DCS VICOM Credit Card S$196.20 S$87.20 S$30.52
DCS Ultimate Platinum Cards S$196.20 S$98.10 N.A.
DCS Imperium World Elite Card S$3,583.92 S$215.82
(for 2nd and subsequent supplementary card) 		N.A.
DCS D-Lite Cards S$32.70 N.A. N.A.
DCS CORPORATE Charge Card S$196.20 N.A. N.A.
DCS LODGE Card S$196.20 N.A. N.A.
Effective 1 January 2024
Card Replacement Fee
(Inclusive of 9% GST)

S$32.70 for each card replacement

DCS Imperium World Elite Card
Metal card: S$327.00 for each card replacement
Plastic card: S$54.50 for each card replacement

With effect from 1 November 2023, Diners Club Nature’s Farm Credit/Charge Card programme will be ceased.

  1. If you have any GIRO arrangements, recurring bills, or a credit balance linked to your affected card(s), please make the necessary arrangements prior to card closure, in order to prevent any potential disruptions.

    It’s important to settle any outstanding balances by your upcoming statement’s due date (22 November 2023) to ensure a seamless transition. Following that, please be informed that the listed affected card(s) will be closed.

  2. If you have any ongoing instalment programme(s) such as Instalment Payment Plans (IPP), Buy-Now-Pay-Later (BNPL), DCash, or ReadyCash linked to your affected card(s), please be informed that your affected card(s) will no longer be usable for retail transactions after 1 November 2023. From that point onward, you’ll only be able to make payments towards your card account. Following that, please be informed that the listed affected card(s) will be closed once we receive the final payment for your recurring instalment programme(s).

For your security, please cut your card(s) in half before disposal.

Note: Your Esso Fleet Card linked to the affected Credit Card(s), if applicable, will be terminated by 1 November 2023.

With effect from 1 November 2023, Diners Club COURTS Credit Card programme will be ceased.

  1. If you have any GIRO arrangements, recurring bills, or a credit balance linked to your affected card(s), please make the necessary arrangements prior to card closure, in order to prevent any potential disruptions.

    It’s important to settle any outstanding balances by your upcoming statement’s due date (22 November 2023) to ensure a seamless transition. Following that, please be informed that the listed affected card(s) will be closed.

  2. If you have any ongoing instalment programme(s) such as Instalment Payment Plans (IPP), Buy-Now-Pay-Later (BNPL), DCash, or ReadyCash linked to your affected card(s), please be informed that your affected card(s) will no longer be usable for retail transactions after 1 November 2023. From that point onward, you’ll only be able to make payments towards your card account. Following that, please be informed that the listed affected card(s) will be closed once we receive the final payment for your recurring instalment programme(s).

For your security, please cut your card(s) in half before disposal.

Note: Your Esso Fleet Card linked to the affected Credit Card(s), if applicable, will be terminated by 1 November 2023.

With effect from 1 October 2023, DCS Long Beach Credit Card programme will be ceased.

  1. If you have any GIRO arrangements, recurring bills, or a credit balance linked to your affected card(s), please make the necessary arrangements prior to card closure, in order to prevent any potential disruptions.

    It's important to settle any outstanding balances by your upcoming statement's due date (22 October 2023) to ensure a seamless transition. Following that, please be informed that the listed affected card(s) will be closed.

  2. If you have any ongoing instalment programme(s) such as Instalment Payment Plans (IPP), Buy-Now-Pay-Later (BNPL), DCash, or ReadyCash linked to your affected card(s), please be informed that your affected card(s) will no longer be usable for retail transactions after 1 October 2023. From that point onward, you'll only be able to make payments towards your card account. Following that, please be informed that the listed affected card(s) will be closed once we receive the final payment for your recurring instalment programme(s).

For your security, please cut your card(s) in half before disposal.

Note: Your Esso Fleet Card linked to the affected Credit Card(s), if applicable, will be terminated by 1 October 2023.

With effect from 1 October 2023, the prevailing Retail Interest Charge for all DCS Mastercard, UnionPay and Diners Club Credit Cards (excluding Charge Cards, S$500 Limit Credit Cards, D-Lite Cards and Corporate Cards) will be revised to 27.8% p.a.

Please also note that the Statement Repayment Period for all DCS Cards (excluding Corporate Cards) will be revised to 21 days.

With effect from 1 October 2023, we will cease cheque payment for DCS Card bills. You may wish to visit https://dcscc.com/personal/payment-channels for other modes of payment.
With effect from 1 September 2023, we will cease offering personalised photos on Diners Club International Credit and Diners Club International Charge Card. If you are an existing cardmember, you will be issued a card without a personalised photo during renewal or card replacement.
Please be informed that we are terminating the following credit cards programme by 31 July 2023.
  • DCS Delivery Chinatown Credit Card
  • DCS NU SKIN Credit Card
  • DCS NU SKIN $500 Limit Credit Card
With effect from 1 July 2023, the late payment charge for all DCS Diners Club Cards will be revised from S$80 to S$100.
Please be informed that we are terminating DCS JP Pepperdine Credit Card and DCS JP Pepperdine $500 Limit Credit Card program by 31 May 2023.
From 2 May 2023, we will be revising the benefits for Diners Club International Credit Card and Diners Club International Charge Card. Please click here for more information.
3
THE CARD ACCOUNT
3.4
Statement in respect of all amounts debited to the Card Account shall be available on a monthly or other periodic basis, to be determined by us. We shall send a Statement to you by ordinary post, or made available via our Website or other electronic means. We reserve the right not to provide a Statement for any period during which the Card Account is inactive. In the case where a Corporate Card is issued under individual liability, the Statement shall be sent to the person to whom the Card is issued and records the Transactions initiated by the use of that Card. The Corporate Member can obtain limited information concerning the Card Account. In the case where the Corporate Card is issued under the Corporate Member’s liability, a consolidated Statement shall be sent to the Corporate Member.

With effect from 1 April 2023, the Conversion Commission for foreign currency transactions will be revised from 3% to 3.25% for all DCS Cards.

In conjunction with the revision of Goods and Services Tax, the Card Annual Fee for DCS Cards will be revised with effect from 1 January 2023 as follow:

Annual Fee effective 1 January 2023
(Inclusive of 8% GST)
Card Product Principal Credit Card Supplementary Card S$500 Limit Card (if any)
Diners Club International Credit Card S$194.40 S$86.40 NA
Diners Club International Charge Card S$108.00 S$75.60 NA
Diners Club International Ace Credit Card NA NA S$30.24
DCS CASHBACK Credit Card S$194.40 S$86.40 S$30.24
DCS Long Beach Credit Card S$194.40 S$86.40 NA
DCS Delivery Chinatown Credit Card S$194.40 S$86.40 S$30.24
DCS DON DON DONKI Credit Card S$194.40 S$86.40 S$30.24
DCS JP Pepperdine Credit Card S$194.40 S$86.40 S$30.24
DCS Mustafa Credit Card S$194.40 S$86.40 S$30.24
DCS NU SKIN Credit Card S$194.40 S$86.40 S$30.24
DCS POPULAR Credit Card S$194.40 S$86.40 S$30.24
DCS Sheng Siong Credit Card S$194.40 S$86.40 S$30.24
DCS VICOM Credit Card S$194.40 S$86.40 S$30.24
DCS AFFINITY Credit Card S$32.40 S$16.20 NA
DCS AFFINITY Charge Card S$37.80 S$27.00 NA
DCS CORPORATE LIMITED Charge Card S$194.40 S$194.40 NA
DCS CORPORATE Charge Card S$75.60 S$75.60 NA
DCS COMMERCIAL Charge Card S$108.00 S$108.00 NA
1
DEFINITIONS

"Credit Limit” means the maximum debit balance permitted by us on the Card Account and notified to the Basic Cardholder from time to time, and is the limit which the Basic Cardholder and, where applicable, any Supplementary Cardholder(s) are collectively permitted to effect Card Transactions.

“Spending Limit” means a part of the Credit Limit which is allocated to the Supplementary Cardholder up to which the Supplementary Cardholder is permitted to effect Card Transactions.

“Permitted Purposes” has the meaning given to it in clause 16.2.

“Principal Card” means a Card issued to a Basic Cardholder.

“Statement” means the monthly or other periodic statement which we issue to the Basic Cardholder or, when the Card is a Corporate Card (who may be the Basic Cardholder), the holder of the Corporate Card or the Corporate Member.

“Supplementary Card” means a Card issued to a Supplementary Cardholder.

“Total Indebtedness”, at any time, means the total amount due and owing (actually or contingently) by you to us on the Card Account, including all Transactions, interest, fees and charges.

“Total Minimum Interest” means the minimum interest to be paid by you for a Transaction(s), with the amount being specified on the relevant Statement.

“You” and “your” means the Basic Cardholder and, where applicable, the Supplementary Cardholder. If the Card is a Corporate Card it means the Basic Cardholder who holds the Corporate Card and the Corporate Member.

“We”, “our” and “us” means Diners Club (Singapore) Private Limited, including our successor in title or permitted assigns.

4
CREDIT LIMIT
4.1
We offer a maximum credit limit, subject to the regulatory credit limit from time to time. The actual credit limit offered is subject to our absolute discretion based on applicable laws. We may at any time reduce the Credit Limit without prior notice to you. Should the supporting documents you submit reflect a lower earned income than what was previously declared, we reserve the right to adjust the current credit limit to reflect the prevailing earned income.
4.2
We shall not set a Credit Limit in excess of that requested by you or, in the case of a Corporate Card, by the Corporate Member. The Credit Limit stated on the credit card folder which enclosed the Card shows the initial Credit Limit. If there is no credit card folder, we shall notify you the amount of the initial Credit Limit by e-mail or other way as we deem fit, including in the relevant letter of offer. The Credit Limit will also be shown on the Statement. If the Card is a Corporate Card we may decide not to state the Credit Limit in those ways and instead advise the Corporate Member as to the Credit Limit in other way as we deem fit.
4.3
You must ensure that the amount you owe (actually or contingently) on the Card Account does not exceed the Credit Limit. If it does, you must immediately pay the excess. If you have two or more accounts (including the Card Account) you must also ensure that the aggregate amount you owe (actually or contingently) does not exceed the maximum credit limit which you have for an account. If it does, you must immediately pay the excess. In the case of a Corporate Card we shall set one Credit Limit which applies to each Card Account with the Corporate Member and each of the Corporate Cards issued for those Card Accounts.
4.4
Some Transactions may need to be authorised by us. We may refuse to authorise any Transaction even if the Credit Limit has not been or will not be exceeded. We may charge and debit the Card Account the amount of each and every transaction made or effected through the use of the Card whether by you or any other person and whether with or without your knowledge or authority and notwithstanding that the outstanding balance on the Card Account has exceeded or would as a consequence exceed the Credit Limit.
4.5
The Credit Limit shall be cancelled if each Card Account you have is terminated. The Credit Limit for a Corporate Card is cancelled if the Card Account which the Corporate Member has is terminated. If you fail to settle the minimum payment due on or before the Payment Due Date specified on a Statement, we may (without limiting our other rights) reduce or cancel the Credit Limit.
5
SPENDING LIMIT FOR SUPPLEMENTARY CARDHOLDER
5.1
The Basic Cardholder shall be allocated a Credit Limit which shall be the maximum debit balance permitted by us on the Card Account for both the Principal Card and the Supplementary Card. The Credit Limit shall at all times be the limit up to which the Basic Cardholder and, where applicable, the Supplementary Cardholder are collectively permitted to effect Card Transactions.
5.2
The Basic Cardholder may allocate a part of the Credit Limit permitted by us on the Principal Card Account to the Supplementary Cardholder as the Spending Limit.
5.3
The Supplementary Cardholder shall be notified by the Basic Cardholder, and not by us, on the Spending Limit. The Supplementary Card, its PIN and all communications relating to the Supplementary Card (including any information on the Spending Limit) shall only be sent to the Basic Cardholder.
5.4
Subject to the Credit Limit, the minimum Spending Limit of the Supplementary Cardholder shall be S$500.00.
5.5
The Spending Limit of the Supplementary Cardholder shall revert to the pre-set limit set by the Basic Cardholder at the expiry of each statement cycle, provided always that the Credit Limit of the Basic Cardholder shall not be exceeded for such period.
6
CHANGE/INCREASE SPENDING LIMITS FOR SUPPLEMENTARY CARDHOLDER
6.1
Subject to the Credit Limit, the Basic Cardholder may write in to change the Spending Limit for Supplementary Cardholder.
6.2
Only the Basic Cardholder, and not the Supplementary Cardholder, shall be entitled to request us for an increase in the Spending Limit.
10
PAYMENTS
10.5
Payment made by the Supplementary Cardholder shall be reflected under the Basic Cardholder’s monthly statement, and any excess payment made by the Supplementary Cardholder in respect of the Supplementary Card shall be credited to the Basic Cardholder’s Account. Refund of excess payment (if any) shall be made upon request by the Basic Cardholder only.
11
LOST, STOLEN OR DAMAGED CARDS
11.3
Before you give us notification under clause 11.2 the maximum liability you have for Transactions (other than Transactions effected by the use of the Card at any ATM) which were not authorised by you is S$100.00 so long as you have not acted fraudulently or negligently, and have used reasonable care and diligence in safeguarding the Card and given us notification under clause 11.2 as soon as reasonably practicable. You will not be liable for Transactions not authorised by you if we are satisfied that the said Transactions were effected after you have provided the notification. You should note the definition of a “Card” includes the numbers and details associated with a card, and a “Card” does not refer only to a physical card.
11.4
If it comes to our knowledge that you have acted fraudulently, negligently, or that you have failed to use reasonable care and diligence in safeguarding the Card or failed to so inform us, you are liable for the full amount. If you refuse to settle the outstanding charges, we reserve the right to terminate the Card as well as take such actions as we may be advised to recover the amount.
12
YOUR LIABILITY
12.1
You shall be liable for all Transactions effected by the use of the Card at any ATM whether with or without your knowledge or authority and you irrevocably authorise us to charge to the Card Account the amount of each of those Transactions. However, you will not be liable for those Transactions if we are satisfied that the Transactions are not authorised by you and they are effected after you have given us notification in accordance with clause 11.2. In absence of such notification, we shall be entitled to treat any person in physical possession and control of the Card or any Enabled Device as the rightful holder or user thereof, and accordingly entitled to rely on any electronic signature, digital certificate or use of the Card or Enabled Device as evidence that a Transaction has been authorised and properly effected. A Basic Cardholder shall be liable for all Transactions on the Card Account irrespective of whether the Transaction is on the Card issued to the Basic Cardholder or the Supplementary Cardholder. A Basic Cardholder must ensure that all Cards issued to the Basic Cardholder or to the Supplementary Cardholder are used in accordance with these terms and conditions. A Basic Cardholder shall be liable for any failure by the Basic Cardholder and/or the Supplementary Cardholder to comply with these terms and conditions.
12.2
A Supplementary Cardholder shall be jointly and severally liable with the Basic Cardholder for all Transactions in connection with the Card issued to the Supplementary Cardholder. A Basic Cardholder must ensure that the Card issued to the Supplementary Cardholder is used in accordance with these terms and conditions. A Basic Cardholder shall be liable for any failure by the Basic Cardholder and/or the Supplementary Cardholder to comply with these terms and conditions.
12.3
The Basic Cardholder is liable for the Total Indebtedness in connection with the Card, and the Card of each of its Supplementary Cardholder, and is jointly and severally liable with each Supplementary Cardholder for the Total Indebtedness in connection with each Supplementary Card.
12.4
Each Supplementary Cardholder is liable for the Total Indebtedness in connection with the Card issued to such Supplementary Cardholder, but is not responsible for the Total Indebtedness in connection with the Card or any Card issued to the Basic Cardholder or any Card issued to another Supplementary Cardholder.
12.5
For the avoidance of doubt, the Total Indebtedness owing to us shall not be affected or prejudiced by any dispute, counterclaim or set-off between the Basic Cardholder and any of the Supplementary Cardholder.
12.6
The discharge of any liability or waiver of our rights against the Basic Cardholder or any Supplementary Cardholder shall not affect or prejudice the liability and obligations of any other Cardholder under this Agreement.
12.7
In the case of a Corporate Card, the Corporate Member shall be, together with the Basic Cardholder, liable for all Transactions on the Card Account and the Corporate Member and the Basic Cardholder or any person to whom the Corporate Card is issued shall be jointly and severally liable for all Transactions in connection with the Corporate Card issued to that person. However, if the corporate account application form pursuant to which the Card Account is opened expressly states that either the Corporate Member is solely liable for all Transactions on the Card Account or that the person to whom the Corporate Card is issued is solely liable for all Transactions made using the Corporate Card, the liability shall be limited accordingly.
14
VARIATIONS OF TERMS
14.1
We may at any time change and/or amend the terms and conditions of this Terms and Conditions and/or introduce new terms and conditions as we may at our absolute discretion deem fit by providing you with reasonable notice, and such amendments, when made, shall be deemed to be part of the Terms and Conditions, and you shall be bound by the same.
14.2
If you do not agree to be bound by the changes, you shall cease all use of the Card and any services available in connection with the Card and shall terminate this Terms and Conditions immediately by giving written notice to us and returning to us the Card duly cut in half. You agree that if you continue to use the Card or the services available in connection with the Card after being notified of such change to this Terms and Conditions, such use shall constitute an affirmative:
  1. Acknowledgement by you of this Terms and Conditions and its changes; and
  2. Agreement by you to abide and be bound by this Terms and Conditions and its changes.
17
MISCELLANEOUS
17.1
Both the Basic Cardholder and, where applicable, each Supplementary Cardholder agree to be bound by the instructions that the Basic Cardholder gives us.
17.11
We can be contacted by e-mail, telephone or post. The address and number are on the Website. Any notification by you should be by in writing.
1
DEFINITIONS

"Credit Limit” means the maximum debit balance permitted by us on the Card Account and notified to the Basic Cardholder from time to time, and is the limit which the Basic Cardholder and, where applicable, any Supplementary Cardholder(s) are collectively permitted to effect Card Transactions.

“Spending Limit” means a part of the Credit Limit which is allocated to the Supplementary Cardholder up to which the Supplementary Cardholder is permitted to effect Card Transactions.

“Permitted Purposes” has the meaning given to it in clause 16.2.

“Principal Card” means a Card issued to a Basic Cardholder.

“Statement” means the monthly or other periodic statement which we issue to the Basic Cardholder or, when the Card is a Corporate Card (who may be the Basic Cardholder), the holder of the Corporate Card or the Corporate Member.

“Supplementary Card” means a Card issued to a Supplementary Cardholder.

“Total Indebtedness”, at any time, means the total amount due and owing (actually or contingently) by you to us on the Card Account, including all Transactions, interest, fees and charges.

“Total Minimum Interest” means the minimum interest to be paid by you for a Transaction(s), with the amount being specified on the relevant Statement.

“You” and “your” means the Basic Cardholder and, where applicable, the Supplementary Cardholder. If the Card is a Corporate Card it means the Basic Cardholder who holds the Corporate Card and the Corporate Member.

“We”, “our” and “us” means Diners Club (Singapore) Private Limited, including our successor in title or permitted assigns.

4
CREDIT LIMIT
4.1
We offer a maximum credit limit, subject to the regulatory credit limit from time to time. The actual credit limit offered is subject to our absolute discretion based on applicable laws. We may at any time reduce the Credit Limit without prior notice to you. Should the supporting documents you submit reflect a lower earned income than what was previously declared, we reserve the right to adjust the current credit limit to reflect the prevailing earned income.
4.2
We shall not set a Credit Limit in excess of that requested by you or, in the case of a Corporate Card, by the Corporate Member. The Credit Limit stated on the credit card folder which enclosed the Card shows the initial Credit Limit. If there is no credit card folder, we shall notify you the amount of the initial Credit Limit by e-mail or other way as we deem fit, including in the relevant letter of offer. The Credit Limit will also be shown on the Statement. If the Card is a Corporate Card we may decide not to state the Credit Limit in those ways and instead advise the Corporate Member as to the Credit Limit in other way as we deem fit.
4.3
You must ensure that the amount you owe (actually or contingently) on the Card Account does not exceed the Credit Limit. If it does, you must immediately pay the excess. If you have two or more accounts (including the Card Account) you must also ensure that the aggregate amount you owe (actually or contingently) does not exceed the maximum credit limit which you have for an account. If it does, you must immediately pay the excess. In the case of a Corporate Card we shall set one Credit Limit which applies to each Card Account with the Corporate Member and each of the Corporate Cards issued for those Card Accounts.
4.4
Some Transactions may need to be authorised by us. We may refuse to authorise any Transaction even if the Credit Limit has not been or will not be exceeded. We may charge and debit the Card Account the amount of each and every transaction made or effected through the use of the Card whether by you or any other person and whether with or without your knowledge or authority and notwithstanding that the outstanding balance on the Card Account has exceeded or would as a consequence exceed the Credit Limit.
4.5
The Credit Limit shall be cancelled if each Card Account you have is terminated. The Credit Limit for a Corporate Card is cancelled if the Card Account which the Corporate Member has is terminated. If you fail to settle the minimum payment due on or before the Payment Due Date specified on a Statement, we may (without limiting our other rights) reduce or cancel the Credit Limit.
11
LOST, STOLEN OR DAMAGED CARDS
11.3
Before you give us notification under clause 11.2 the maximum liability you have for Transactions (other than Transactions effected by the use of the Card at any ATM) which were not authorised by you is S$100.00 so long as you have not acted fraudulently or negligently, and have used reasonable care and diligence in safeguarding the Card and given us notification under clause 11.2 as soon as reasonably practicable. You will not be liable for Transactions not authorised by you if we are satisfied that the said Transactions were effected after you have provided the notification. You should note the definition of a “Card” includes the numbers and details associated with a card, and a “Card” does not refer only to a physical card.
11.4
If it comes to our knowledge that you have acted fraudulently, negligently, or that you have failed to use reasonable care and diligence in safeguarding the Card or failed to so inform us, you are liable for the full amount. If you refuse to settle the outstanding charges, we reserve the right to terminate the Card as well as take such actions as we may be advised to recover the amount.
12
YOUR LIABILITY
12.1
You shall be liable for all Transactions effected by the use of the Card at any ATM whether with or without your knowledge or authority and you irrevocably authorise us to charge to the Card Account the amount of each of those Transactions. However, you will not be liable for those Transactions if we are satisfied that the Transactions are not authorised by you and they are effected after you have given us notification in accordance with clause 11.2. In absence of such notification, we shall be entitled to treat any person in physical possession and control of the Card or any Enabled Device as the rightful holder or user thereof, and accordingly entitled to rely on any electronic signature, digital certificate or use of the Card or Enabled Device as evidence that a Transaction has been authorised and properly effected. A Basic Cardholder shall be liable for all Transactions on the Card Account irrespective of whether the Transaction is on the Card issued to the Basic Cardholder or the Supplementary Cardholder. A Basic Cardholder must ensure that all Cards issued to the Basic Cardholder or to the Supplementary Cardholder are used in accordance with these terms and conditions. A Basic Cardholder shall be liable for any failure by the Basic Cardholder and/or the Supplementary Cardholder to comply with these terms and conditions.
12.2
A Supplementary Cardholder shall be jointly and severally liable with the Basic Cardholder for all Transactions in connection with the Card issued to the Supplementary Cardholder. A Basic Cardholder must ensure that the Card issued to the Supplementary Cardholder is used in accordance with these terms and conditions. A Basic Cardholder shall be liable for any failure by the Basic Cardholder and/or the Supplementary Cardholder to comply with these terms and conditions.
12.3
The Basic Cardholder is liable for the Total Indebtedness in connection with the Card, and the Card of each of its Supplementary Cardholder, and is jointly and severally liable with each Supplementary Cardholder for the Total Indebtedness in connection with each Supplementary Card.
12.4
Each Supplementary Cardholder is liable for the Total Indebtedness in connection with the Card issued to such Supplementary Cardholder, but is not responsible for the Total Indebtedness in connection with the Card or any Card issued to the Basic Cardholder or any Card issued to another Supplementary Cardholder.
12.5
For the avoidance of doubt, the Total Indebtedness owing to us shall not be affected or prejudiced by any dispute, counterclaim or set-off between the Basic Cardholder and any of the Supplementary Cardholder.
12.6
The discharge of any liability or waiver of our rights against the Basic Cardholder or any Supplementary Cardholder shall not affect or prejudice the liability and obligations of any other Cardholder under this Agreement.
12.7
In the case of a Corporate Card, the Corporate Member shall be, together with the Basic Cardholder, liable for all Transactions on the Card Account and the Corporate Member and the Basic Cardholder or any person to whom the Corporate Card is issued shall be jointly and severally liable for all Transactions in connection with the Corporate Card issued to that person. However, if the corporate account application form pursuant to which the Card Account is opened expressly states that either the Corporate Member is solely liable for all Transactions on the Card Account or that the person to whom the Corporate Card is issued is solely liable for all Transactions made using the Corporate Card, the liability shall be limited accordingly.
14
VARIATIONS OF TERMS
14.1
We may at any time change and/or amend the terms and conditions of this Terms and Conditions and/or introduce new terms and conditions as we may at our absolute discretion deem fit by providing you with reasonable notice, and such amendments, when made, shall be deemed to be part of the Terms and Conditions, and you shall be bound by the same.
14.2
If you do not agree to be bound by the changes, you shall cease all use of the Card and any services available in connection with the Card and shall terminate this Terms and Conditions immediately by giving written notice to us and returning to us the Card duly cut in half. You agree that if you continue to use the Card or the services available in connection with the Card after being notified of such change to this Terms and Conditions, such use shall constitute an affirmative:
  1. Acknowledgement by you of this Terms and Conditions and its changes; and
  2. Agreement by you to abide and be bound by this Terms and Conditions and its changes.
17
MISCELLANEOUS
17.1
Both the Basic Cardholder and, where applicable, each Supplementary Cardholder agree to be bound by the instructions that the Basic Cardholder gives us.
17.11
We can be contacted by e-mail, telephone or post. The address and number are on the Website. Any notification by you should be by in writing.

With effect from 1 July 2022, clause a(ii) in our Buy Now Pay Later Instalment Plan (BNPL) Terms and Conditions has been amended to: The Member/Cardholder agrees to convert one or more transactions billed in the current month's Statement of Account (less the minimum payment in the current month) to a BNPL transaction. The Member/Cardholder agrees to be charged a non-refundable one time processing fee, which will be billed together with the first instalment. The Member/Cardholder agrees to pay the processing fee and monthly instalment when billed as advised during sign the sign-up procedure with Diners Club Customer Service Officer. The type and number of transactions which can be converted is strictly determined by Diners Club at the point of conversion. Converted amount will not earn Club Rewards Points.

With effect from 1 April 2020, we will cease sending Paper Statement of Account by post. Please access your billed and unbilled Statements online anytime. There is no need to sign-up, it’s free of charge, easily accessible, and safe & secured. To log-in, you will need your Diners Club Card No., Date of Birth and registered Mobile No. Click Here to Access