IDFC FIRST Bank Merger and Financial Overview

Launch of our Credit Card Business was based on Unique Industry First Features Customer Segments Core Value Proposition FIRST Classic Millennials Mass Household Emerging Affluent Affluent 5 FIRST Classic Product Offerings ETHICAL DIGITAL BANKING SOCIAL GOOD FIRST Millennia Millennia VISA 10 TERS 2ANK VAMILY Millennia VISA 19TE FIRST SANK FAMILY Life Time Free Credit Card Dynamic lowest interest rate starting from 9% p.a. Interest free cash withdrawals 10X rewards for higher spends Never expiring points Movie, Travel & Lounge privileges IDFC FIRST Bank Family VISA Platinum Exceptional value and classic features Uber cool looks & slick features FIRST Select FIRST Select FIRST Wealth FIRST Wealth ol *Spending over limit is usually inadvertent by customers. Hence as a customer friendly measure, the 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 IDFC FIRST BANK FAMILY VISA Signature Life's little luxuries IDFC FIRST BANK FAMILY VISA Infinite All premium features for international traveler 28 IDFC FIRST Bank

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