FAQs

1. What is the Indigo Platinum Mastercard Credit Limit?

The limit of an Indigo Platinum Mastercard will start from $300. It is the least expected credit limit that you can expect from the card. Since it is an unsecured credit card limit, you will have to pay high annual charges for the same.

However, if you avail of less amount using your credit card, your chances of getting the higher limit in the next 6 or so months will be higher. Although you will not be able to request a credit limit on your own, by clearing out the bills, you can avail higher limits in the future. 

More info here: What is Indigo Card Credit Limit & How to Increase it?

2. Is Indigo a safe credit card?

Yes, the Indigo credit card is a legitimate card that is 100% secured to make transactions with. This card is issued by FDIC-insured Celtic bank and uses the Mastercard network. You are going to get the 3-digit security code to keep your card safe and along with that, you will also get the $0 fraud liability protection.

3. Can I get no annual fee for my Indigo credit card?

Yes, there is a scope of getting no annual fee for your Indigo Credit Card. However, for availing of this, the issuer must be convinced with your credit report. the issuer will consider the credit profile and if it is a really good one with no remarks, you might get the no annual fee offer for your indigo credit card. 

4. How can I customize my Indigo Credit Card?

Unfortunately, you will not be able to customize your Indigo credit card at all. However, you may get some choices to pick between a few of their card designs from which you can have one of your preferences. Other than that, there is no such option available.

More info: Login to MyIndigoCard

5. Does the Indigo Card charge the late fee?

Yes, if you are not able to make the payment on time, then the Indigo Mastercard will charge you a late fee of the amount up to $40 which may go down as per the amount. If you forgot to make the payment on time and it is not a regular case for you, then you can try to contact their customer care at 866-946-9545 and ask them for a waiver from the late fee. For a balance under $9.99, there is no late fee charged. However, the more you pay on time, the more your credit report will become strong.

6. What credit score do you need for the Indigo Credit Card?

If you’re seeking an Indigo credit card, then you are required to have a credit score of at least 300 to 639 out of 800. Even if you lie between these criteria, you are eligible to have the Indigo credit card. The goal of issuing this card is to improve the credit score of people. The issuer will ask you to pre-qualify before you apply for the card. However, your pre-qualification will not guarantee your approval of the card. But it will surely aid into it.

7. How much is the Indigo Credit Card Annual fee?

The annual fee of your Indigo credit card will depend on your creditability while applying for the particular card. The amount will rely on between $0-99. If your credit report is remarkable without any loopholes in it, you will also be able to have a $0 annual fee on your card. However, if your credit report is average or below average, it may reach as high as $99. 

8. How long does it take for getting my Indigo Credit Card limit increased?

If you want to increase your Indigo credit card, then you’re required to wait for 6 months, and then you can apply for it. If you have not used much of your card during this period and have paid the bills on or before time, you will be able to have a scope of getting the limit increased. 

9. How do I pay my Indio Credit Card Bill?

You will be able to pay your Indigo credit card bill through various methods. You can do it online by visiting their portal and paying the amount using the same. And if this method doesn’t suit you, you can make a call to customer care and tell them that you want to pay your bill. By giving some information, you will be able to pay the bill. Alternatively, you also can send the money order or check through their mail address. 

10. How much is the Indigo Credit Card Minimum Payment?

The minimum card payment for your Indigo credit card will be available on your monthly statement and for that, you’re required to check your account online. In general, it will be 1% of your balance including the fees and the interest. However, if your balance is $25, then it will be equal to your balance.

More info: How to Check Indigo Credit Card Application Status?

11. Is an Indigo Credit Card a good card?

 Yes, the Indigo Credit Card is indeed a great option for anyone who is seeking to opt for an unsecured credit card. The major highlight of this card is the fact that you are not required to have an excellent credit report for opting for this card. Even if you have a Credit Score below 600, you are eligible for using this card.

More info: Indigo Card Benefits

12. How can I cancel my Indigo Credit Card?

For canceling your Indigo credit card, you are required to contact the customer support of your bank. Also, ensure that you have paid all the bills and there are no dues left before you opt for canceling the credit card. You also can fill out a form and submit it to your issuer for canceling the card.

More info: How do I cancel my Indigo Credit Card?

13. How can I get an Indigo Credit Card Cash Advance?

If you are willing to get the Indigo credit card cash advance, then you need to contact customer care requesting the same from them. Following are the steps to be followed for completing the process of availing of the Indigo credit card cash advance.

• First, make a call at 866-946-9545 and request a PIN.
• You will be sent the PIN to your registered email address.
• Put your credit card into the machine and enter your PIN.
• Tap on the Cash advance option.
• Type or choose the amount you wish to withdraw.
• Enter, and you’re done.

14. Is there any Indigo Credit Card App Available?

No, as of now, there is no such credit card app available for this brand. However, for managing the transactions and keeping fair records, you can use their online services which you can avail of by contacting the customer care department.

More info: Is There an Indigo Credit Card App?

15. How do I apply for an Indigo Card pre-approval?

For applying for the pre-approval, you are required to fill out a form online on the website where you have to fill in information such as your full name, address, DOF, social security number, email address, and contact number. After submitting the form, you will be able to get a mail-back consisting of the decision in a few seconds only. 

16. How do I check my Indigo Credit Card Balance?

For checking your Indigo credit card balance online, you have to use their online portal where you need to make an account and log in. once you logged in to the website, you will be able to see your credit card balance, transactions, etc. if you do not own an account, you can create one for free. And if not, you also can contact customer support and ask for the same. Note that you’re not required to state information such as your PIN or CVV for the same.

More info: Indigo Card Customer Support