• Max Late Fee: $40
  • Cash Advance Fee: 29.90%
  • Cash Advance APR: 0% for the first year
  • Recommended Credit Score: 300-500
  • Regular APR: 24.90%
  • Intro APR: N/A
  • Annual Fee: $99

2021 Indigo Platinum Mastercard Review

  • Max Late Fee: $40
  • Cash Advance Fee: 29.90%
  • Cash Advance APR: 0% for the first year
  • Recommended Credit Score: 300-500
  • Regular APR: 24.90%
  • Intro APR: N/A
  • Annual Fee: $99

Best For

Improving Your Credit


  • Suitable for those with poor credit scores
  • Extended warranty protection
  • Low foreign transaction fee
  • Helps build your credit


  • No welcome or bonus cash back
  • High regular APR

Are you looking for a way to build or rebuild your credit? Then the Indigo Platinum Mastercard could be the financial solution you’re looking for. Its purpose is to help you improve your credit. According to Indigo Platinum Mastercard reviews, it also encourages better spending habits.

In this Indigo Platinum credit card review, we’ll discuss what you need to know about this Mastercard, how it works, and how to apply for one. Keep reading to find out more and refer to the FAQ section below for additional information.

What Do You Need to Know About The Indigo Platinum Mastercard? 

Reviews on the Indigo Platinum Mastercard can tell you all you need to know about this type of credit card. In this section, you’ll learn a bit about Indigo Platinum and what it offers.

  • Card type

There are many types of cards you can get, such as student cards, rewards cards, business cards, and more. The Indigo Platinum Mastercard is an unsecured credit card which means you don’t need a deposit to open up the account.

  • Annual fee

The Indigo Platinum Mastercard has no annual fee for qualified customers. This gives you one of the affordable means to fix your credit without extra fees.

  • Sign-up bonus

One downside that we found in Indigo credit card reviews is that this company doesn’t offer sign-up bonuses to cardholders. If you are specifically looking for credit cards with sign-up bonuses, here is a list of the 10 best.

  • Rewards

The Indigo Platinum Mastercard doesn’t offer rewards. It’s simply a card that helps you build a positive credit history.

  • Redemption

Since Indigo Platinum has no cashback rewards, it won’t offer you redemption on bonuses or reward points.

  • Terms

Before you choose to use the Indigo Platinum Mastercard you must first understand its terms. Your purchase APR is set at a fixed rate of 24.9%. Additionally, there are balance transfer fees but overall it has favorable terms.

  • Foreign transaction fees

With the Indigo Platinum Mastercard, you get low foreign transaction fees of 1%. You can read about other transaction fees further down in our Indigo platinum credit card review.

  • Balance transfer fee

You get a 0% balance transfer fee with the Indigo Platinum Mastercard. So you can transfer fees from your Indigo Platinum card to another card without any extra fees.

  • Low credit limit

Since this card is specifically dedicated to people with bad credit, it has a low credit limit of $300 preventing the customers from spending more than they can afford. As one Indigo Platinum Mastercard review stated, although it can be frustrating, in this way it enforces responsible spending and rebuilds credit.

What Are The Indigo Platinum Mastercard Eligibility Criteria?

Before you can sign up for your Indigo Platinum Mastercard, you must make sure you are eligible for approval. Reviews on the Indigo credit card show that this is what you need to know before signing up.

  • Years of age: In order to qualify for approval you must be 18 years or older in all US states except for Alabama. In Alabama, you must be 19 years or older to be approved for this card. This is one of the best credit cards for fair credit for young people.
  • Personal Information: There may be some personal information you have to provide such as whether you’re married or what your occupation is. This is so the company can see if you’re able to make repayments on your card.
  • Address and Contact information: You may have to provide details on where you live and your contact information so the company can inform you if you’ve been approved or not.
  • Financial information: Most credit card companies check your FICO score so they can see whether you have a positive or negative credit record.

How To Apply For A Secured Indigo Platinum Mastercard?

According to many Indigo Platinum Mastercard reviews, the company’s application process is easy and doesn’t require in-store visits.

The first step is to visit the Indigo website. Here you will find a digital application form. You’ll be asked to provide the following details:

  • Social Security number
  • Full name and age
  • Home address
  • Contact details

After you submit your application you’ll get a pre-approval. This is done with a soft credit check on your credit scores. When your FICO score has been checked you will have to send through a formal application for full approval.

Indigo Platinum Mastercard Customer Reviews

There are many Indigo Platinum credit card reviews online and customers seem to like most about the card is that it’s easy to get approved for and the low foreign transaction fees. 

One of the biggest complaints that customers have is that they don’t receive their paper bills and other customers complained about the high APR. However, you’ll know exactly what you’re paying for when you read the company’s Terms and Conditions.

Privacy & Security Policy

Indigo Platinum has extensive privacy and security policies that you can read in detail on the company’s website. Your personal information such as your name, street address, and banking account will be kept private. However, your information can be shared with third parties such as credit bureaus. The Indigo website uses secure encryption to ensure your information is safe from cybercriminals. So far, none of the Indigo Platinum card cc reviews has mentioned a security breach.

If you have any issues with a breach of privacy you can contact the Indigo Platinum Mastercard customer service on their toll-free line 866-946-9545.


In the table below you will find a comparison of Indigo Platinum and its best competitors. 

Discover It An excellent alternative to the Indigo Mastercard is the Discover It card. This is a secured credit card that has an intro APR of 10.99% on balance transfers for 6 months. It also offers 2% cashback rewards on gas fill-ups and 1% on all other purchases. 

You can read the full review of Discover It here

The Capital One Another great alternative that we found among user reviews of the Indigo credit card is The Capital One. This credit card company offers no annual fees, no foreign transaction fees, and no balance transfer fees. Capital One doesn’t offer any rewards but it’s another card that you can use to improve your credit score and practice excellent spending habits. 

You can read the full review of Capital One Credit Card here

Petal 2 Petal 2 “Cash Back, No Fees” Visa Credit Card wins over Indigo in that it has a variable APR from 12,99% to 26,99%, no annual fee,  no foreign transaction fee, and it has a Rewards program where the customer gets 1% cashback with 12 on-time monthly fees and 2%-10% on selected merchants.

Who is Indigo Best For?

According to Indigo Platinum Mastercard CC reviews, Indigo is best for people looking to rebuild their credit and develop a more responsible lifestyle. With features such as low credit limit, no collateral requirements, and different card types, it is difficult not to want it. But if you’re still in doubt, here’s a list of some benefits you get with the Indigo Platinum Mastercard:

  • Custom card designs
  • Travel and emergency coverage
  • Extended warranty coverages
  • Free payments online
  • Low foreign transaction fees

In Conclusion

If you want to be approved for a credit card with a negative credit score, then give the Indigo Platinum Mastercard a try. This is an unsecured credit card so you won’t have to pay a deposit to sign up. You also get incredibly fast pre-qualification results.

You can easily find the Indigo Platinum Mastercard phone number on their website for any inquiries about their services. Indigo’s customer care services are top-notch. If you want a card that will help you improve your credit score, the Indigo Platinum Mastercard is a great choice.


Is the Indigo Platinum Mastercard a good credit card?

Yes, Indigo credit card reviews confirm that the Indigo Platinum Mastercard is good and is designed for people with fair credit or those who want to rebuild their credit. You can also opt for credit builder loans to help you with your credit scores.

What credit score do you need for the Indigo Platinum Mastercard?

You can sign up for the Indigo Platinum even if you have a poor FICO score between 300 and 500.

Does the Indigo Platinum Mastercard come with instant approval?

Most Indigo Platinum Mastercard reviews show that you can get instant approval for this card even if you have a bad credit score. You can sign up easily and quickly online.


Proudly South African, I have a history in psychology, as well as administration, but writing is my first love. I've been a full time copywriter for four years and create SEO friendly blogs, case studies, web content, landing pages, reviews, whitepapers and more. I cover many topics but especially enjoy writing about digital marketing, healthy living (body and mind) as well as some technical niches.