Capital First Strategy, Loan Growth and Profitability Trends

Section 3: Product Offering (Assets) - Credit Card launched in January 2021 INDUSTRY Multiple Fees (Annual/ Over Limit) Charges for spending over limit IDFC FIRST Bank Credit Cards Lifetime Free (No Annual Fees ever) A Credit Card, like no other Customer friendly card launched by the Bank, keeping in line with the ethos of Classic FIRST No Charges for spends upto 10%* FIRST always customer first. FIRST Millennia VISA Platinum FIRST Millennia VISA Platinum Static and high interest rates (36% to 48% APR) (since last 30 years) Complicated Reward Points with T&Cs and Rewards expiry date Dynamic Interest Rate (9% to 36% APR) $ Up to 10X reward points. Unlimited earn. No expiry. In-store and online redemption Interest-Free Cash Withdrawal (up to next IDFC FIRST Interest on ATM cash withdrawal from Day 1 billing cycle or 48 days, whichever is earlier) Wealth FIRST Select IDFC FIRST IDFC FIRST Bank Family Lifetime free Credit Card 10X Super Rewarding Program ล VISA Signature Super Saver Interest Rate (% APR Starting from 9%) '' Interest Free Cash Withdrawal (up to next billing cycle or 48 days, whichever is earlier) *This is usually inadvertent by customers as a customer friendly measure. Bank will intimate the customers if their spends are going above limit to avoid any charges incurred by them. $Customer rates depending on algorithm, factoring in credentials, relationship with the bank and many other parameters Section 3: Product Offering 21 IDFC FIRST Bank

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