When the relay opens it will draw an arc. The DC rating being lower than the AC because with AC power the current drops to zero 2 x f = 2 x50 (2x60) times per second (depending on 50Hz or 60Hz power), and this will allow extinguish the arc quicker. Meanwhile, working with DC power we don't get this automatic interruption and the opening arc may last longer destroying the contacts in the process. That's why relays are allowed to switch only a fraction of the AC power if DC. So that’s the reason for relay manufacturers to give us two different contact AC/ DC ratings.