Indigo Platinum Mastercard Credit Card review | finder

Indigo® Platinum Mastercard® Credit Card review – October 2018

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


30-second take

  • Get this card if you want an unsecured card.
  • Pick something else if you you don’t want to pay an annual fee or you want a lower APR.
  • You’re welcome to apply with average or poor credit.
Product NameIndigo® Platinum Mastercard® Credit Card
Card TypeMastercard
Annual Fee$75 annual fee for the first year ($99 thereafter)
APR (Annual Percentage Rate) for Purchases23.9% variable
Cash Advance Rate29.9% variable
Foreign Transaction Fee1% of the transaction value
Cash Advance Fee$5 or 5% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 25 days
Late Payment FeeUp to $38
Returned Payment FeeUp to $38
Additional Cardholder Fee$25
Rates & FeesRates & Fees
Minimum Age18 years of age

The basics

If you’ve had trouble establishing or improving credit, the Indigo® Platinum Mastercard® Credit Card might be for you. It doesn’t come with the bells and whistles of other cards. Instead, it offers a chance for those with a less-than-stellar credit score to strengthen it through consistent payments on everyday spending. Depending on your credit, you may qualify for a low annual fee.

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.

    In a few minutes, you can check if you have a good chance of getting this card. 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%, which would be ideal, but most providers charge a 3% foreign transaction fee..

  • Access your account through mobile.

    You can check on your account on the go through your mobile device. This 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 find yourself in a pinch on your trip.

    Lastly, you’ll receive extended warranties on eligible items 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.

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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 $59 each year, or $75 for the first year and $99 each year thereafter.

  • High purchase APR.

    You’ll receive a 23.9% variable APR on purchases. This is a high interest rate given the average credit card APR is around 16%. 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 29.9% penalty APR to all of your balances. You may be saddled with this rate indefinitely.

  • High cash advance APR.

    Cash advance APRs are often high, but this card has one that’s higher than most products: 29.9% variable.

Consider other cards if …

  • You don’t want to pay an annual fee.

    Unfortunately, you won’t find many subprime unsecured cards with no annual fees. However, you’ll find many secured cards with $0 annual fees.

  • You want a lower APR.

    Subprime unsecured card providers tend to charge high APRs across the board. If you’re willing to go with a secured card, however, you’ll find a few that charge relatively low interest rates.

  • You’re looking for a secured credit card.

    The Secured Card® from Capital One® is a great choice. It has no annual fee, and you may be able to deposit only $49 or $99 and still receive a $200 credit limit. Make your first five monthly payments on time and you’ll receive a higher credit line.

    Another fine choice is the Discover it® Secured. Not only does it have no annual fee, it also offer rewards — a rare benefit for a secured card. After eight months, Discover will review your account each month to see if it can return your security deposit while you continue using the card.

    If you’re concerned about locking up too much money in your security deposit, consider the DCU Visa® Platinum Secured Credit Card. There’s a $5 minimum deposit, and your total upfront cost could be as low as $15.

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, check that you are eligible and have the required information.

Eligibility criteria

  • You’re at least 18 years old.
  • You’re at least 19 years old if you’re a resident of Alabama.

Required documents and information

  • Your full name and personal contact information.
  • Your email address and phone number.
  • Your Social Security number and date of birth.
  • In some cases, your 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. Go to the Indigo Card website and click Pre-qualify now.
  2. Complete the pre-qualification form with details like your name, address, Social Security number, date of birth and contact information.
  3. Review your information and submit your form. You’ll typically receive a decision within 60 seconds.

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.

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 $38. Overlimit transactions also come with fees as high as $38.

  • 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 1-866-946-9545.

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 or 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.

Megan Horner

As the assistant publisher of credit cards at, Megan is passionate about helping you compare and find the best credit cards for your situation, whether that is earning great rewards or improving your credit score. In her previous position, Megan worked as an assigning editor at Credit Karma, where she focused on editing and publishing educational articles on credit cards. Megan started her career as a writer at a comparison website, so she has a longstanding background in surfacing the best deals and helping people make decisions. In her spare time, Megan likes to hike, camp, surf, and read.

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22 Responses

  1. Default Gravatar
    JimOctober 22, 2018

    Can I use my Indigo card for online purchases?

    • finder Customer Care
      JhezelynOctober 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.


  2. Default Gravatar
    KenrickOctober 1, 2018

    What is the monthly payment for the Indigo Platinum Mastercard

    • finder Customer Care
      JhezelynOctober 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.


  3. 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?

    • finder 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.


  4. Default Gravatar
    RodneyJuly 18, 2018

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

    • finder Customer Care
      joelmarceloJuly 19, 2018Staff

      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.


  5. Default Gravatar
    DaletonJuly 18, 2018

    Is your credit limit ever increased?

    • finder Customer Care
      JhezelynJuly 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.


  6. Default Gravatar
    GinaJune 26, 2018

    How many months no interest ?

    • finder 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.


  7. 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.

    • finder Customer Care
      nikkiangcoJune 24, 2018Staff

      Hi Jenhuney,

      Thanks for your message.

      The overlimit fee of Indigo Platinum is $38.


  8. 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

    • finder 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!


  9. Default Gravatar
    TyroneJune 25, 2017

    How do you add an authorized user to your account?

    • finder 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.


  10. Default Gravatar
    TazzApril 13, 2017

    What other payment can I make on my indigo card

    • finder Customer Care
      HaroldJuly 10, 2017Staff

      Hi Tazz,

      Thank you for your inquiry.

      The payment method options for Indigo Platinum Mastercard are the following:
      1. You can make an immediate payment online through
      2. Call Indigo (866-946-9545) to make a payment over the phone
      3. Make a payment through MoneyGram
      4. Send your check or money order through the mail. Their address is: Bankcard Services PO Box 4477 Beaverton, OR 97076-4477

      I hope this information has helped.


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