Indigo Platinum Mastercard Credit Card review |

Indigo® Platinum Mastercard® Credit Card review

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Indigo® Platinum Mastercard® Credit Card Learn more Apply now

Don't worry, clicking "Apply now" won't leave a mark on your credit report. It may only appear on your report after you submit an application.

What happens when I click Apply now?
  • Clicking Apply now will take you to your online application on the bank's website. You do not need to be an existing customer of this bank to apply.
  • Your application will typically take you no more than 10-15 minutes to complete
  • Once approved, you will typically receive your credit card within 1-2 weeks
Click here to start your application >>

A no-frills subprime card that helps you improve your credit.’s rating: 3.8 / 5.0


  • Get this card if you want an unsecured card.
  • Pick something else if you don’t want to pay an annual fee or you want a lower APR.
  • Apply with average or poor credit.
Product NameIndigo® Platinum Mastercard® Credit Card
Card TypeMastercard
Annual Fee$0 to $99
Standard Purchase APR24.9% fixed
Intro Purchase APR


Intro Balance Transfer APR


Cash Advance Fee$5 or 5% of the cash advance amount, whichever is greater
Cash Advance Fee Description$0 during the first year. After the first year, either $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100)
Foreign Transaction Fee1% of the transaction value
Interest Free PeriodUp to 25 days
Late Payment FeeUp to $39
Late Payment Fee Conditions$28 initial late payment fee (if there has been no late fee during any of the prior six billing cycles), up to $39 for all other late payments
Returned Payment FeeUp to $39
Minimum Age18 years of age
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The basics

If you’ve had trouble establishing or improving credit, the Indigo® Platinum Mastercard® Credit Card might be for you. It offers a chance for those with a less-than-stellar credit score to strengthen it through consistent payments on everyday spending.

Strongly consider paying off your monthly balances within the interest-free grace period. The Indigo® Platinum Mastercard® Credit Card comes with a higher-than-average purchase APR, and your APR could balloon indefinitely after even one late payment.

The perks

  • Potential $0 annual fee.

    Depending on your credit profile, you could qualify for no annual fee. The higher your credit score, the more likely you’ll receive this benefit.

  • Get prequalified.

    You’ll know if you have a good chance of getting this card within a few minutes. This won’t affect your credit score, as Celtic Bank — the card’s managing bank — will initiate a soft pull on your credit history.

  • Reports to credit bureaus.

    Celtic Bank reports your responsible spending to the three major credit bureaus — Equifax, Experian and TransUnion. This can help you improve your credit score for better rates on mortgages, car loans and other financing.

You’ll also like …

  • 1% foreign transaction fee.

    It’s not 0%, but most providers charge a 3% foreign transaction fee.

  • Access your account through mobile.

    Check your account on the go through your mobile device, which will help you monitor your spending and use your account responsibly.

  • Purchase and travel benefits.

    When you pay for your car rental with your card, you’ll receive coverage against physical damage and theft. Roadside assistance for peace of mind against car troubles is also provided.

    Travel Assistance Services can provide you with help before and during vacation. Get pre-trip planning assistance and find referrals to medical and professional services if you’re in a pinch on your trip.

    Finally, you’ll also receive extended warranties on eligible items that you buy with your card.

  • No cash advance fees for the first year.

    After that, each cash advance comes with a fee of $5 or 5% of the transaction, whichever is greater.

    Though you won’t pay cash advance fees the first year, consider avoiding cash advances entirely. They come with a high interest rate and you won’t enjoy a grace period on them — meaning interest will start accumulating immediately after you make the draw.

Apply now

Compare cards for building credit

Name Product Filter values Purchase APR Annual Fee Recommended Minimum Credit Score
15.24% to 26.24% variable
Build your credit with no fees: Apply if you're new to credit or have a fair to good score.
25.24% variable
Designed to help build credit history with no deposit required. Apply if you're new to credit or have a fair to good score over 650.
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Build or rebuild your credit with this Visa credit card.
24.9% fixed
$0 to $99
The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.
34.99% fixed
Enjoy manageable monthly payments with monthly reporting to all three major credit bureaus.

Compare up to 4 providers

What to watch out for

  • You may be charged an annual fee.

    Depending on your credit, you may need to pay an annual fee. You may be charged $0, $59, or $75 for the first year and $99 thereafter.

  • High purchase APR.

    You’ll receive a high fixed APR on purchases. However, it’s not uncommon for subprime unsecured cards to have APRs well above the average rate.

  • Penalty APR.

    If you make a late payment, Celtic Bank may apply a fixed penalty APR to all of your balances. You may be saddled with this higher rate indefinitely.

  • High cash advance APR.

    Cash advance APRs are often high, but this card has one that’s higher than most products.

What should I know before I apply?

Before applying for the Indigo® Platinum Mastercard® Credit Card, read the card’s terms and conditions. If you’ve decided on the card, make sure you’re eligible and that you have the required information on-hand:

Eligibility criteria

  • Be at least 18 years old
  • Be at least 19 years old if you live in Alabama

Required documents and information

  • Full name and personal contact information
  • Email address and phone number
  • Social Security number and date of birth
  • In some cases, bank account information, employment details and annual income

What credit score do I need?

Celtic Bank doesn’t specify a minimum credit score for this card. However, it offers the product to those who are trying to improve their credit. The higher your credit score, the more likely you’ll be approved.

What do customers say about the Indigo® Platinum Mastercard® Credit Card?

Customers have mixed reviews for the Indigo® Platinum Mastercard® Credit Card. Some cardholders say payments post quickly and the card helped them improve their credit. Others say they’ve received low credit limits, the customer service is confusing and it can be difficult to complete payments.

Celtic Bank isn’t accredited by the Better Business Bureau (BBB). It earns a B rating from the agency. As of this writing, it has 20 customer complaints; however, according to the BBB, most of them have been answered or resolved.

How to apply for the Indigo® Platinum Mastercard® Credit Card

  1. Click apply now.
  2. Complete the prequalification form with details like your name, address, Social Security number, date of birth and contact information.
  3. Review your information and submit your form.

How long will it take to get my Indigo® Platinum Mastercard® Credit Card?

Typically, you’ll receive a decision on your application within 60 seconds. If you’re approved, expect to receive the card within 14 business days.

Apply now

I got the card. Now what?

  • Avoid interest.

    This card comes with a high interest rate on all balances. Consider paying off your balances within the grace period to avoid accruing interest.

  • Avoid fees.

    Late and returned payments come with fees as high as $39. Overlimit transactions also come with fees as high as $39.

  • Contact customer service.

    If you have questions about or issues with your account, contact the number on the back of your credit card. Alternatively, call 866-946-9545.

Bottom line

The Indigo® Platinum Mastercard® Credit Card doesn’t come with many benefits. However, it’s an unsecured card that may help you improve your credit if used correctly. As your credit score increases, you may be able to apply for a rewards card or find a balance transfer card.

Frequently asked questions

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Credit-building cards and secured card ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our team evaluates credit cards to determine their value against similar cards on the market.

We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.

Learn the details of our methodology and scoring.

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24 Responses

  1. Default Gravatar
    LatoyaApril 12, 2019

    I applied and was approved for the Indigo Credit card on 3/25/19 and still have not received it yet. Does it usually take this long?

    • Avatarfinder Customer Care
      JhezApril 12, 2019Staff

      Hello Latoya,

      Thank you for your comment.

      Once approved for the card, you’re expected to receive the card within 14 business days (weekends not included). So if your card is approved on the 25th of March, you may expect to receive it by the 12th of April. If you’re still unable to receive it, you may contact your post office to track any posts for you or contact Indigo directly to follow-up.


  2. Default Gravatar
    JimOctober 22, 2018

    Can I use my Indigo card for online purchases?

    • Avatarfinder Customer Care
      JhezOctober 22, 2018Staff

      Hi Jim,

      Thank you for your comment.

      Yes, you can use the Indigo Platinum card for online purchases, however, for the security reasons, foreign transactions may be declined if you do not notify them before using your credit card on websites outside of the U.S.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.


  3. Default Gravatar
    KenrickOctober 1, 2018

    What is the monthly payment for the Indigo Platinum Mastercard

    • Avatarfinder Customer Care
      JhezOctober 1, 2018Staff

      Hello Kenrick,

      Thank you for your comment.

      There are no monthly fees disclosed for Indigo® Platinum Mastercard® Credit Card however if you are referring to your monthly repayment, this will be indicated on your monthly account bill statements. You can directly get in touch with Indigo® Platinum Mastercard® Credit Card to obtain the amount to be repaid monthly.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.


  4. Default Gravatar
    ShneeSeptember 28, 2018

    Will I be charged the $75 when my card arrive? I’ve seen a lot of reviews stating they didn’t get their card in the mail and they were still charged the $75?

    • Avatarfinder Customer Care
      CharisseSeptember 29, 2018Staff

      Hi Shnee,

      Thanks for reaching out to finder.

      Indigo® Platinum Mastercard® has an annual fee of $75 for the first year and $99 thereafter. This will be charged to your account when it is opened. It is refundable as long as you cancel your account and have not made any transactions.

      If in case you did not receive your card and was charged for the fee, you can contact Indigo card directly for assistance.

      Hope this helps.


  5. Default Gravatar
    RodneyJuly 18, 2018

    Are there any drawbacks to this card or “gotchas” we should look out for?

    • Default Gravatar
      joelmarceloJuly 19, 2018

      Hi Rodney,

      Thanks for leaving a question on finder.

      Aside from the details posted above, you can check the terms and conditions of this particular credit card to be sure what comes with it. Please click HERE to know more about the offer and read the T&C before you decide to apply.


  6. Default Gravatar
    DaletonJuly 18, 2018

    Is your credit limit ever increased?

    • Avatarfinder Customer Care
      JhezJuly 18, 2018Staff

      Hello Daleton,

      Thank you for your comment.

      Your credit limit will be determined once your application has been reviewed and approved. To request for an increase of credit limit, you’ll need to discuss it with Indigo.


  7. Default Gravatar
    GinaJune 26, 2018

    How many months no interest ?

    • Avatarfinder Customer Care
      JoanneJune 26, 2018Staff

      Hi Gina,

      Thanks for reaching out.

      This card has a 25-day grace period for purchase interest. You can take advantage of 25 days from the close of each billing cycle to pay off your purchases before paying interest.


  8. Default Gravatar
    JenhuneyJune 23, 2018

    How much is the “over the limit” fee if I was to take out that coverage? Can’t find this answer anywhere.

    • Avatarfinder Customer Care
      nikkiangcoJune 24, 2018Staff

      Hi Jenhuney,

      Thanks for your message.

      The overlimit fee of Indigo Platinum is $38.


  9. Default Gravatar
    SpenserMarch 28, 2018

    With the indigo platinum mastercard does anyone know the cash advance limit? And can you just go into a bank to get cash

    • Avatarfinder Customer Care
      JoshuaMarch 28, 2018Staff

      Hi Spenser,

      Thanks for getting in touch with finder.

      The cash advance limit depends on your credit limit. For this card, the maximum credit limit is $300. However, you will only know your exact credit limit upon approval. Please note that there’s cash advance fee that you need to pay. (First year: $0. After first year: $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100)).

      Normally, you don’t go to a bank to get the cash advance. You get the money out at an ATM or buy gift cards. You may want to know some other important things to know before getting a cash advance on your credit card.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  10. Default Gravatar
    TyroneJune 25, 2017

    How do you add an authorized user to your account?

    • Avatarfinder Customer Care
      HaroldJune 26, 2017Staff

      Hi Tyrone,

      Thank you for your inquiry.

      While we do not represent any company that we feature on our pages, we can offer you a general advice. It would be nice to coordinate directly with the credit card company to clarify this matter. You can call their customer service at 1-866-453-2636.

      I hope this information has helped.


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