Apply for Indigo® Platinum Mastercard® Credit Card – Your Instructions


The Indigo® credit card is designed for people with imperfect credit. Celtic Bank issues the card and it’s serviced by Genesis FS Card Services. They approve people with limited or poor credit. Most cards issued have a low Credit Limit, a high APR, and an annual fee.

Indigo® Mastercard® Celtic Bank

Card APR for Purchases APR for Cash Advances Penalty APR Annual Fee Transaction Fees Penalty Fees Credit Bureau Reporting Security Deposit Pre-Qualification Impact on Credit Score
Plat-602 24.9% 29.9% N/A $75/$99 $5 or 5% (max $100) Up to $40 Yes No No Impact
Plat-603 24.9% 29.9% N/A $59/$59 $5 or 5% (max $100) Up to $40 Yes No No Impact
Plat-606 24.9% 29.9% N/A $0/$0 $5 or 5% (max $100) Up to $40 Yes No No Impact

How to Apply for Indigo Credit Card Platinum Mastercard® Online

You can quickly apply for Indigo credit card online.

  1. First, visit www.indigoapply.com.
  2. Click on the link saying “See if you’re pre-qualified” near the bottom right-hand corner of the page.
  3. Next, enter your first and last name, your address, your date of birth, your Social Security number, and your email address. Enter your phone number.
  4. Choose a design for your credit card. Scroll down and click the box agreeing to the electronic disclosures.
  5. Click the yellow box saying “Pre-qualify Now” and follow the prompts to finish your application.
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Other Options for Indigo Credit Card Application

You can also complete an Indigo® credit card application by mail invitation. If you’ve received an offer in the mail, visit www.indigoapply.com and enter the invitation number. Enter your zip code and click “Get Started.” Follow the prompts to finish your application.

For Example Invitation Number:

https://www.indigocard.com/singlestep/indigoapply

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Indigo® Credit Card Rewards

The Indigo® credit card doesn’t offer points or cash back rewards. It does include benefits like car rental protection, travel assistance, and extended warranties on items you purchase with the card.

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Indigo® Credit Card FAQs

What is the APR for an Indigo® credit card?
The APR for an Indigo® credit card is 24.9 percent. There is a penalty APR of 29.9 percent.

Can I add an authorized user?
You can add an authorized user. You are responsible for any purchases made by the authorized user.

Is there an annual fee?
The annual fee varies depending on your creditworthiness. You may have no annual fee or be issued a card with a $59 or $75 the first year, $99 thereafter annual fee.

Is there a late fee?
The late fee is $27 if you haven’t had any late payments in the past six months. If you have had a late payment in the past six months, you can be charged a late fee of $40.

Can I get a cash advance?
You can get a cash advance with an Indigo® credit card. You will be charged a fee of $5 or 5 percent, whichever is higher.

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Indigo® Credit Card Reviews

The Indigo® credit card has mixed reviews. Most of the negative reviews seem to be from people who weren’t aware of the annual fee, though. If you review the terms of your credit card offer, you’ll know exactly what you’re getting into. There are a few complaints about customer service, though.

APR for Purchases
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User Rating: 3.63 (16 votes)
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carol collins
carol collins
2 years ago

i am awaiting my card now can i get the card info as im needing to travel shortly and need the card

Janet Culver
Janet Culver
2 months ago
Reply to  carol collins

If your Indigo Mastercard is lost or stolen, you should contact the lost/stolen department immediately at 1-800-314-6340.

Robert Spencer
Robert Spencer
2 years ago

I don’t have any beef with this card, but I Canceled mines after 3 months. For me, it was a pointless card. They gave me a $300 limit..I have 5 other cards…totaling $12000…I just didn’t feel like managing a 6th with only a $300 limit

Alex K
Alex K
2 years ago
Reply to  Robert Spencer

You have good credit history for you. This card is more for people with bad credit

Camo Jak
Camo Jak
2 years ago

I got the indigo card 2 weeks after I got my discharge papers 😉 This card is a tool to work on your credit to get those “better” cards.

Leroy Berry
Leroy Berry
2 years ago

I don’t have any beef with this card, but I Canceled mines after 3 months. For me, it was a pointless card. They gave me a $300 limit..I have 5 other cards…totaling $12000…I just didn’t feel like managing a 6th with only a $300 limit

Leroy Berry
Leroy Berry
2 years ago

I have indigo and i just use it for just in case, even though the only limit $300 i also added some more additional cards to build my credit over time.

Mike B.
Mike B.
2 years ago

$99 annual fee with $300 with no credit limit increases. The only way to get $0 is if you have fair credit and in that case you could get approved for better. I had Indigo credit card, closed it before annual fee hit. And second year they split annual fee monthly.

Camero
Camero
2 months ago

What should I do if my Indigo Mastercard is lost or stolen?

Belinda Leoder
Belinda Leoder
2 months ago

Can I apply for the Indigo Mastercard over the phone or only online?

Jean Prinston
Jean Prinston
2 months ago

What are the eligibility requirements for pre-qualification or approval for the Indigo Mastercard?

Thomas Barrow
Thomas Barrow
2 months ago

How can I contact Indigo customer service for assistance with my account or questions about the card?

jeffrey
jeffrey
2 months ago

Who is the Indigo Mastercard suitable for and what purposes is it good for?

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