“ATM” means automated teller machine. It may or may not be operated by us.
“Basic Cardholder” is the person in whose name the Card Account is maintained or in the case of a Corporate Card, the person who is authorised to incur charges on the Card Account on behalf of the Corporate Member.
“Card” means a DCS Diners Club International Charge Card and, as the context requires, any numbers or details that allow use of the card without it being presented and any numbers or details that we provide instead of a physical card and includes any card issued in replacement or renewal thereof.
“Card Account” means the account maintained by us in accordance with these terms and conditions.
“Cash Advance” means a cash advance you obtain by use of a Card or in another way we authorise which is debited to the Card Account. It includes an advance made by disbursement.
“Corporate Card” is a Card issued pursuant to a corporate account application form. The Card Account is in the name of the Corporate Member.
“Corporate Member” is the business (such as a company, sole trader or partnership) in whose name the Card Account is maintained when the Card Account was opened pursuant to a corporate account application form.
"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.
"Digital Payment Service" means any digital or other electronic payment or wallet service made available from time to time for use by any Cardholder in connection with his/her Cards enrolled with such service for effecting payment or other transactions via any Enabled Device.
"Enabled Device" means a compatible mobile communications or other device associated with one or more Cards issued to a Cardholder and enrolled by the Cardholder with us for use in connection with payment or other transactions through a Digital Payment Service.
“Establishment” means a person, company, firm, partnership, business or organisation which accepts the Card in payment for goods or services.
“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.
“Payment Due Date” is the date specified on a Statement as the payment due date.
“Permitted Purposes” has the meaning given to it in clause 16.2.
“Personal Data” means personal data (as defined under the Personal Data Protection Act 2012) relating to you that you provide to us for the purpose of the Card Account or your Card or use of any Digital Payment Service.
“PIN” means the personal identification number given by us and any replacement number recorded on our system.
“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.
“Statement Period” is the period specified on a Statement as the period to which the Statement relates.
“Supplementary Cardholder” is the person other than a Basic Cardholder to whom a Card (other than a Corporate Card) is issued and whose Transactions are debited to the Card Account.
“Supplementary Card” means a Card issued to a Supplementary Cardholder.
“Total Indebtedness”, at any time, means the total amount owed (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.
“Transaction” means a transaction (including the purchase of goods and services, automatic bill payments and Cash Advances) initiated with a Card or debited to the Card Account by any means, including by a manual use of the Card, by the use of the Card in an electronic device, through any Digital Payment Service and/or Enabled Device or in the course of a post, telephone or internet order. A reference to the Card being used includes those transactions.
“You” and “your” means the Basic Cardholder and, unless it is not appropriate, the Supplementary Cardholder. If the Card is a Corporate Card it means the person who holds the Corporate Card and the Corporate Member.
“We”, “our” and “us” means DCS Card Centre Pte. Ltd., including our successor in title or permitted assigns.
“Website” means www.dcscc.com
Headings are for convenience only and do not affect the interpretation of these terms and conditions. Unless the context otherwise requires, references to the singular includes the plural and vice versa and references to natural persons includes bodies corporate. Discretion means our sole and absolute discretion. A reference to “post” and “posting” includes mailing by ordinary post. The word “including” is not to be taken as limiting the meaning of words preceding it.