Indigo Card Platinum Mastercard Review- Get Your Credit Score Up in 30 Days


Credit Card


Not all of us have perfect credit, but if you’re looking for a way to improve your credit score, the Indigo Platinum Mastercard could be the ideal solution for you.

This credit card offers many features that can help you get your credit score up and credit limit up in no time. Here’s what you need to know about the Indigo card and why we think it’s one of the best options to improve your credit history.

The Indigo Credit Card is an excellent tool for conveniently building your credit score for the future.

The Indigo Platinum Mastercard is available for immediate use. Every monthly payment is reported to the three major credit bureaus, which can instantly help improve your credit score. The card is unsecured and therefore requires no cash deposit as collateral. However, depending on your creditworthiness, you might have to pay annual fees.

The Indigo Platinum Mastercard® is a no-frills credit card that targets those with a poor credit score. While this card has an area of interest in this market, you could consider other cards. The Indigo Card is issued from Celticbank and supplied by Genesis FSC Card Services.

Credit Cards
Credit Cards


Who Can Use It?

Happy Customer

The Indigo Platinum Mastercard is designed for applicants who do not have a credit history or may have a “good” credit history. Experian, one of the three major credit bureaus, defines this as a score between 300 and 587. It’s specifically designed for those who wish to improve their credit history.

All of the transactions are shared with all of the major credit bureaus.

This allows you to get on your way to that perfect credit that we all covet.

This credit card is also for those that don’t like to make deposits to buy a secured credit card, the leading alternative for those with no or damaged credit or a need to improve credit.

Indigo’s credit limit is $300. Unfortunately, the company isn’t clear on how to increase this limit. Still, it’s a small price if you don’t want to provide a security deposit.

If you think this is a low credit limit, consider applying for another alternative. (Credit cards that require a security deposit can be an alternative for that option.)

Is the Indigo card worth it?

Credit Card Used
Paying With a Credit Card

Indigo credit cards are an excellent unsecured card for people with bad credit (What Experion refers to as “Good Credit”).

They offer a $300 credit limit with little or no security deposit required. (So it is not considered a secured credit card.) Indigo’s card provides a fee for each year of $0 to 99 that will be worthwhile to buy in case of damaged or revolving credit cards.


It is worth it for people who need to build their credit.


Is Indigo a safe credit card?

You can access Indigo Platinum Mastercard’s credit limits without any security deposits and thus becomes an unsecured credit card.

It is associated with Master Card, and they have an established brand.


Will there be a credit check?

When you apply for the Indigo Platinum Mastercard, there is a prequalification process where they will not check your credit. But if you decide to complete the process, they will check your credit.

Is Indigo a debit card?

Happy Couple
Couple With Credit Card

The Indigo card is not a debit card.

It is an unsecured credit card with an unsecured credit limit of $300. This is considered a low credit limit but helps you establish a positive credit history.

But, it allows you to get higher credit limits with other banks. When you have an outstanding balance, you are billed monthly. Experian, Equifax, and TransUnion (the three credit bureaus) are notified monthly of your payments. This credit card helps people build and rebuild credit.

How much does Indigo approve you for?

Here we cover the standard credit limits without security deposits. Unlike many other card offerings available for people with poor credit, the Indigo Platinum Card does not require security deposits for the transaction. All applicants will have standard credit limits from $250-$300.


What’s the Annual Fee?

The Annual Fee changes, but as of this writing, it’s $89.


Should I get this card?

Many credit cards offered for bad credit are secured cards that require deposits as security.

The Indigo Platinum Mastercard is an unsecured card that has some disadvantages. You have an initial maximum limit of $300. You also have an annual fee.

The annual fee may add up and should be considered in your total yearly charges.


Indigo credit card complaints

Most people have a positive experience with Indigo Cards, but some don’t.

We urge you to check out 123

The Better Business Bureau gives Indigo Cards a B++.


What are the Three Major Credit Bureaus?

The three major credit bureaus are ExperianEquifax, and TransUnion.

It is essential to check your credit scores with all three bureaus because each bureau may have a different score.

This is because each bureau may have other information about your credit history. It is also essential to ensure that there are no mistakes in your credit report. If there are mistakes, you can dispute them with the credit bureau.

This is a quick way to increase your credit score and make sure that they maintain accurate information on you. Each financial institution has many customers who are prone to making mistakes.

These steps are essential in your journey to building credit. Limited credit history or a negative one are the main factors in your getting a higher credit line.


How Do I Make My Indigo Credit Card Payments?


There are many ways to pay for your Indigo Credit card. The best way is to go and sign in to your online account. Then you navigate to the Bill Pay tab. Your minimum payment will be at least $25 or 1% of your balance.

If you haven’t already done so, you will need to enter your bank’s routing number and your account number, and then you can enter the amount you wish to pay.

Another method is to call their customer service number: (866) 946-9545. You will then be prompted to enter the banking information before proceeding and speaking with a customer service representative.

This last method is least recommended! You may mail a check or money order to :

Genesis FS Credit Cards Services.

P.O. 00477 Beaverton OR 9770477

Allow at least 7 business days for your account to be credited each month. Late payment will incur an extra fee of $40, which will result in an APR of 29.7%. Late or missed payments affect your credit score as much as the Indigo credit card can damage your credit rating.

If you’re unsure about your login and payment options, please call Indigo’s customer support phone at (866) 946-9545.

The Indigo Credit Card belongs to Celtic Bank, located in Utah.

It is highly recommended that you pay your Indigo bill days before the due date. This will provide a margin of safety for you.

What if I don’t pay on time?

If you do not pay your bill on time, you will be charged a late fee and lose your grace period, which is the time you have to pay before interest accrues. (You will, in effect, have to may more money.)

If your payment arrives late, we recommend that you call the customer support number and let them know so that they can make a note. Sometimes companies will honor your word that the payment is on its way.


Alternatively, you can set up automatic payments to avoid worrying about missing due dates. This will help you maintain a good credit score and avoid penalties or interest charges.

Whatever your situation may be, it is crucial to stay in touch with Indigo and do everything to manage your account responsibly. They are there to help you!


This will also negatively affect your credit score if you don’t pay on time and they aren’t made aware of a one-time issue.

Indigo Credit Card Review Summary

Indigo® Mastercard® is an excellent bank card aimed to help those with low credit who are looking for a way to build up their credit.  The credit limit is generally $300 without a security deposit. Indigo cards cost $0 to $99 annually and are high APR only worthwhile if you face emergency expenses or limited credit options.

Generally, unsecured credit cards are expensive for borrowers with poor credit.


Cardholder Experience

The Indigo Platinum Mastercard is an unsecured card that can help you build your credit back up.
This card has some disadvantages, such as an initial maximum limit of $300 and an annual fee. However, it is essential to remember that this card is designed to help you build your credit back up.

The annual fee may be high, but remember that this is a tool you can use to get the perfect credit score you’ve always wanted.

It has an easy application process.

Indigo Platinum Master Card provides an online prequalification tool. It’s convenient because you should know how likely you will get approval. Even if you’ve ever declared bankruptcy, you may still be approved.

Their qualification process doesn’t affect your credit. Still, if you decide to go through with the whole application, you must go through a complete credit application process.

If approved, the credit limits are $300, and the credit can quickly be withdrawn. This may make credit rebuild or establishment difficult and cause sluggish financial decisions.

Additional card details

It’s designed for consumers if their credit is poor. As with many credit card options, the card offers no benefits. Some of your benefits will be accessed by email or reporting to all three credit bureaus. It’s also possible to use multiple cards at once without additional charges. Prequalification is a second benefit of the Indigo Platinum card. Prequalifying for your offer can help you measure your approval odds without having to first apply. This is called a soft credit pull.

There’s No Rewards Program

Some card customers want to get rewards with credit cards. Unfortunately, the Indigo Card doesn’t have a rewards program.

However, as you build your credit back over time, you can apply for other cards that offer rewards like travel miles, cash rewards, and prizes.   

It Can Help Build Credit

Celtic Bank, the Indigo Card provider, notifies the three major credit bureaus, TransUnion, Equifax, and Experian. This could help increase your credit score. Credit card issuers use these scores in determining whether to issue you new credit.

Paying your bills on time shows financial responsibility and is essential to establishing and maintaining credit. Maintaining a minimum balance will help you avoid revolving your debts as credit utilization affects your credit score too. Your Credit Utilization rate is a ratio of how much credit you have divided by how much you owe. In other words, if you have a credit limit of $300 and you’ve borrowed $300, then you’re usage rate is 100%. If your usage rate is too high, that reflects negatively on your score.


Indigo Master cards provide good choices for people unable to afford credit cards or with low credit scores. Your creditworthiness determines whether there will be annual fees.

How do I use Indigo Platinum Mastercard?

The Indigo Platinum MasterCard should be used like any other credit card. Just make purchases, make your payment before it is due, and get the rest of your bills paid on time to build your credit.

Indigo Credit Cards have no points or rewards system. It’s a no-frills credit card.

How the Indigo Platinum Mastercard compares with other credit-building cards

Indigo Platinum Mastercard is one such competitor that also offers similar advantages. Two principal alternatives to credit cards to consider are Capital One Platinum secure credit cards and Discover it® secured credit cards.

What are some other ways to improve your Credit Score?

  1. As mentioned before, you should order your credit reports from the three bureaus. An easy way to do it is to go to: and review it. If you have any blemishes on your credit report, you can call and have them struck if they are inaccurate. Credit bureaus are required to investigate any disputes you have about the information on your credit report.
  2. Pay Your Bills on time. This should go without saying, but it’s critical. If you’re having trouble making your payments on time, try to set up automatic payments or find other solutions like a budgeting app.
  3. Avoid excessive credit card usage. Credit utilization is a significant factor in determining your credit score. Try to keep the balance on any credit card below 30% of your available limit, ideally around 10%.
  4. Build up a history of on-time payments with different lenders. The better, the longer you can go without a negative mark against your credit.
  5. Try not to Provide False Information when Applying for Credit Cards. If you have poor credit and need a card, be honest about it so that lenders can accurately assess the risk of approving you.
  6. Be Patient. This is very important. Building credit takes time, so don’t give up and keep working!
  7. If you follow these tips, you can build up your credit score quickly!
    1. Know what your score is and how it’s calculated. There are five factors used in determining your credit score. They are Payment History, Credit Usage, Age Of Accounts, Credit mix, New credit Inquiries.
  8. Don’t Close old accounts. Old credit looks good as long as you don’t use it up.
  9. Consider Consolidating your debts. Consolidating your debts can be an excellent way to improve your credit score. When you have multiple debts, it can be hard to keep track of them all and make sure you’re making payments on time. Consolidating means combining all of your debts into one new loan with one monthly payment. This can make it easier to stay organized and an excellent way to first focus on paying off your higher APR debt.
  10. Prioritize Paying-off your highest interest charging accounts first
  11. Use Credit Monitoring. Credit monitoring is the process of tracking your credit file regularly. If someone tries to open a new account in your name, you’ll be notified. You can get credit monitoring for free from some websites or pay for a credit monitoring service. To get free credit monitoring, you can go to annual or
  12. Pay more than the minimum on your credit cards. When it comes to credit card debt, it’s important to remember that you want to pay off more than the minimum amount due each month. If you only make the minimum payment, it will take you a lot longer to pay off your debt, and you may even end up accruing more interest.


While these tips can help you improve your credit score, it is essential to remember that the best way to build credit is through good financial practices over time and making on-time payments. The more consistent you are with this, the faster your score will increase.


Using the Credit Card
Using the Credit Card

The Indigo MasterCard offers you a chance and is explicitly designed for people with bad credit. If you have a low credit score, this card can help you rebuild your credit history and improve your credit rating over time without a security deposit. Once your credit history improves, other card issuers will start offering you more credit opportunities and higher credit limits. This Indigo MasterCard comes with several benefits. Ultimately, you will have more available credit and more credit offers. Additionally, although the card has an annual fee, there is a low requirement to get started. Finally, the Indigo MasterCard reports to the bureaus monthly, so you can continually improve your credit score.

Leave a Reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Social Media


About Bill

Hello, My Name is Bill King.  I hope that you enjoy the content I have put together for you to help you with your Making Money Online Journey.  Please feel free to look around.  If you have any questions, simply reach out.

Most Popular

Get The Latest Updates

Subscribe To Our Weekly Newsletter

No spam, notifications only about new products, updates.


On Key

Related Posts