Relay Max Inductive Current
Look again

The 10A 120Vac rated resistive load is best case  because of the zero crossing nature that extinguishes an arc quickly so the contact temperature is reduced which degrades life span rapidly.  However even short short wires have some inductance and dry contacts have very high dI/dt because disconnect time is abrupt and this results in sufficient voltage to arc across contacts but the stored energy in the wire (1/2LI^2) is very low.
Next best case is 7A 28Vdc or 240Vac R load again.  This means the energy stored in the wire (L) at 28Vdc and dumped into the silver-oxide-alloy plated contacts as  heat, considered comparable to 240Vac since AC voltage but can be extinguished by zero crossing currents, but still reduces the recommended limit from 10 to 7A.
The worst case is 3A high inductive load  such as a motor which tends to have a surge current rating that is 8 to 10x the motor rated current on startup.  This could be protected using soft-start mechanisms or PWM but then you wouldn't need  relay then.  With motor or solenoid relays, you can expect the lifespan to be several orders of magnitude lower than the mechanical cycle lifespan.
Check out the L/R specs on your load to be sure, also.