Gain City DCS Mastercard Terms and Conditions

1. Card programme and application

1.1 The Gain City DCS Mastercard (the "Card") is offered in collaboration between Gain City Best-Electric Pte Ltd ("Gain City") and DCS Card Centre Pte Ltd ("DCS"). "Cardholder" means a person whose application for the Card has been approved by DCS.

1.2 All Card applications are subject to DCS's eligibility criteria, assessment and approval. Use of the Card is subject to the applicable DCS card agreement and terms, including any applicable fees, charges and transaction conditions.

1.3 By applying for the Card through Gain City and using the benefits described below, the applicant or Cardholder agrees to the applicable terms of the Card programme and Gain City Family membership.

2. Gain City Family membership and points

2.1 The Card comes with instant Gain City Family membership. Membership is subject to the Gain City Family membership terms.

2.2 Cardholders earn 1 Gain City Family Point for every S$1 spent on eligible purchases at Gain City. Points may be redeemed for cash rebates at Gain City showrooms at a rate of 100 points to S$1, equivalent to a 1% rebate value. There is no cap on points earned. Gain City Family Points are provided and administered solely by Gain City under the Gain City Family membership terms, and do not form part of any DCS rewards, points or cashback programme.

2.3 For in-store purchases, Cardholders must provide their registered mobile number at checkout to credit points to their account. For online purchases, Cardholders must sign in to their Gain City account before completing the purchase.

2.4 Family Points expire two years from the date of purchase. Expired points cannot be reinstated. Points may only be used for cash rebates at checkout and cannot be exchanged for cash or transferred to another member.

3. Cashback

3.1 Cardholders enjoy 2% cashback on eligible purchases, capped at S$200 per month. The cashback is provided by DCS and is subject to the applicable DCS Card terms, which DCS may vary in accordance with those terms.

3.2 Instalment plans, insurance payments and mobile wallet top-ups are not eligible for cashback. The full list of excluded transactions and the rules governing cashback are set out in the applicable DCS Card terms. The transactions listed above are examples only and are not exhaustive. In the event of any inconsistency, the exclusions and cashback rules set out in the applicable DCS Card terms shall prevail.

3.3 Cashback is credited automatically to the Card account and reflected in the next Statement of Account, subject to the applicable DCS cashback terms.

4. Exclusive Gain City privileges

4.1 VIP Members' Night experience: Cardholders receive an exclusive invitation to Members' Night and may bring up to four guests. Event details and attendance arrangements will be stated in the relevant invitation.

4.2 Members-only rewards: Cardholders have access to exclusive discounts and special promotions. Each offer is subject to its stated terms and conditions. The Gain City privileges in this clause 4 are provided by Gain City and not by DCS. DCS is not responsible for the provision, quality, withdrawal or variation of any such privilege.

4.3 Premium care perks: Cardholders enjoy 8% off extended warranty and 15% off air-con conditioning servicing. The applicable warranty or service terms also apply.

4.4 Complimentary delivery: Cardholders enjoy two complimentary deliveries every year.

4.5 Priority queue access: Cardholders enjoy priority queue access for group buy events, product launches, aircon installation, repair services and servicing.

4.6 Welcome drink: Cardholders enjoy one complimentary welcome drink with any main dish order at 1981 Restobar, Kopi Kaki by Happy Go Lucky, elysium, Happy Cafe & Lucky Cuisine.

5. Card facilities

5.1 Cardholders may use the Card to pay bills at more than 800 AXIS stations across Singapore, subject to the relevant payment service and DCS terms. Availability of a payment facility does not mean that the transaction qualifies for cashback.

5.2 No physical ATM PIN will be provided. Cardholders must set their ATM PIN in the DCS Cards App before using the Card for overseas cash withdrawals. Overseas cash withdrawals are treated as cash advances and are subject to the applicable DCS Card terms, fees and charges.

6. Personal data

6.1 Applicants must provide the information required to assess and process their application. An incomplete application may not be processed.

6.2 Personal data supplied in connection with the Card application, membership and benefits will be collected, used and disclosed in accordance with the applicable Gain City and DCS privacy policies and the consents obtained during the application process.

7. General conditions

7.1 The DCS card agreement and applicable DCS terms govern Card approval, card use, fees, charges and cashback. The Gain City Family membership terms govern Family membership and points. These terms govern the additional Gain City Card benefits, subject to any specific offer conditions. In the event of any inconsistency between these terms and the DCS Card terms in relation to the Card, its approval or use, fees, charges or cashback, the DCS Card terms shall prevail.

7.2 Marketing materials summarise the benefits. The applicable Card, membership and offer terms govern the detailed entitlement and redemption conditions. Commented [CS4]: As the Card is co-branded, DCS requires it to be made clear that the Gain City privileges are provided by Gain City and that DCS has no liability for them. This protects DCS as issuer and reflects that these benefits sit outside the DCS Card terms.

7.3 Cardholders must comply with the applicable membership, event and offer terms. Gain City may withhold the Gain City benefits where there is fraud, misuse or a breach of the applicable terms. This does not affect DCS's rights in respect of the Card or the cashback, which are governed by the DCS Card terms.

7.4 Gain City may amend the Gain City benefits and these terms, subject to applicable requirements.