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100 v DC is not the same as 100v AC the AC will be 141v which can arc over the contact if rated as 100 v DC.

The deal is that when switches open and close they arc for a short period of time. This is the main factor in wearing out the switch. Because AC automatically alternates back and forth, the arc is naturally extinguished faster. The DC, however, sustains the arc until the switch gap is large enough to shut it down. Therefore, the DC ratings must be lower to provide the same switch life and reliability.

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Q: Why DC rating of Relay contacts is lesser than AC rating you need theoretical approach?
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