You might be worried about your bad credit score and not being able to get credit to cover emergency expenses. Are you looking for a credit card that can let you cover your emergency expenses, but your credit score is preventing you?
Indigo by Celtic Bank is a solution for people with a low or bad credit score. You can avail of the financing options despite your credit circumstances. However, many people don’t know about Indigo Credit Card. Besides, many know about Indigo but are not sure how to apply for credit, pre-qualification requirements, and how to use the card.
Therefore, we have come up with a complete article on the Indigo credit card, its working, benefits, and how to use the card for making payments. So let’s get into it.

What Is Indigo Credit Card?
IndigoCard is a Platinum MasterCard offered by Celtic Bank. The Celtic Bank is based in Salk Lake City, Utah, and it is a renowned bank due to its SBA loans and financing solutions. It is an industrial bank with having considerable online presence and solutions. Celtic Bank is chartered by Utah and was founded in the year 2001.
Celtic Bank offers several credit cards like Surge Mastercard, Reflex Mastercard, and Indigo Platinum MasterCard. The credit card is one of the popular unsecured cards targeted to people with less than ideal or good credit scores. An unsecured card implies that you don’t need any security deposit to get the financing or line of credit on your card.
Indigo credit card is MasterCard, which means that the card comes with the capabilities of MasterCard. You can enjoy the benefits and perks of MasterCard as well as make payments at places where MasterCard is accepted. Even you can take your MasterCard on international trips and use it for making payments.
Features Of The Credit Card
Some of the main features and highlights of Indigo Credit Card are as follows:
People With Low Credit Scores Can Apply
It is a blessing in disguise for people having poor credit scores. When you are struggling to get credit or financing from any institution due to your credit score, Indigo provides you with a quick solution to fulfill your emergency need.
Maximum Credit Limit
As reported by most of the users, the limit available to Indigo credit card holders is $300. However, some people have reported a maximum limit of $1000. Therefore, we can say that Indigo Mastercard’s maximum credit limit is between $300 and $1000, depending on the customer’s circumstances and credit score.
No Signing Reward or Points
Unlike closed-loop cards and store cards, there is no signing reward or bonus for the users activating their Indigo credit card. The card is to facilitate people with poor credit scores to get immediate financing and improve their credit scores.
Easy Pre-Qualification Criteria
The credit score requirement for the application of Indigo MasterCard makes the pre-qualification criteria very easy for card applicants. For instance, you can apply for the card even if you have a credit score of 500. According to the official website of Indigo, a bankrupt individual can also apply for a credit card.
High-Interest Rate On Credit
Since the card is for people with bad credit scores and circumstances, you will have to pay a higher interest rate on the financing available via Indigo MasterCard.
Fees
The credit card fee can be anywhere from $0 to $99, depending on your credit score, circumstances, and financial health.
Benefits
Despite being an unsecured credit card, cardholders can enjoy several benefits on the card. It includes a 2% discount on purchases in restaurants and gas bills. The discount applies to amounts up to $1000.
Auto Pay Feature
You can use different methods to pay the bills on an Indigo credit card. However, you can also choose the auto-pay feature of the card to schedule automatic payments.
A Good Way To Build Your Credit
Since Celtic Bank reports the cardholders’ credit scores to all three credit bureaus, you can improve your credit score. You can build a good credit score if you are always on time to pay your credit.
What Is The Qualification Criteria For Indigo Credit Card Application?
If you want to know if you qualify for an Indigo credit card, you must know the basic qualification criteria for filing your application.
Here are the qualification criteria for getting an Indigo credit card:
- You should have a physical residential address in the US.
- You must be of age 18 or above. For residents of AL, the minimum age should be 19.
- A valid US IP address is also necessary for applying. (when processing applications)
- The company also assesses your income before approving you for a credit card.
There is no requirement for a good credit score. However, you will need to provide your personal information to join the Indigo credit card program.
How To Apply For Credit Card?
Now you know the qualification criteria to apply for an Indigo credit card. You must be considering applying for a credit card, and here is how to do it:
- You must pre-qualify to proceed with your application. Access the website of the Indigo credit card and choose Pre Qualify Now.
- You will have to provide your personal details to run the soft inquiry under the pre-qualify test. Tap on Pre Qualify Now.
- Once your pre-qualification test is successfully completed, accept the Terms and Conditions. In another case, you should look for other alternatives to Indigo.
- Now complete the application process and continue by clicking on Apply.
After the application process, expect to receive your Indigo credit card in your mail within a few business days.
How To Register And Login To Your Indigo Account?
Once you have received your credit card, you must register to your Indigo credit card account before activation. Here is how to register for your Indigo card account:
- Go to the official website of Indigo credit card and tap on Not Registered Yet.
- Enter your bank account number, date of birth, and social security number. Tap on Next.
- Enter the further information as required by the company and complete the registration process.
- Create your username and ID for future logins.
If you want to login into your Indigo account, here is what to do:
- Open the official website of the Indigo card.
- Enter the username and password in the given field. Make sure that you fill in the fields carefully. You will be locked out for the next 15 minutes if you enter the wrong information three times.
- Tap on the Login button and sign in to use your account.
How To Activate Your Card?
Once you have registered your account with an Indigo card, it is very easy to activate your credit card. All you have to do is to log in to your account and go to Activate card from the menu of the online website. Enter your card details, social security number, and other details to activate your card. Once activated, you can use the credit card for purchases and financing.
Make Indigo Credit Card Payments
There are different ways you can make Indigo card payments. Let’s discuss each of them:
Call
You can call on the helpline number of Indigo credit card and use the automated prompt system to complete the transaction. The Indigo hotline for credit card payments is as follows: 866-946-9545.
Gather all the information you will need to pay your credit card bill before making the call. Once on the call, wait for the customer representative to provide you with guidelines. Enter the required details, payment information, etc. Once confirmed, your payment will be processed.
Online
You can also make Indigo credit card payments online from the website. To do this, follow these simple steps:
- Log in to your Indigo account via online access. Enter the username and password as created in the registration process.
- Go to Bill Pay from the menu.
- Enter your bank account number and routing number to proceed.
- Enter the amount you want to pay. However, if you are making payment on the due date, make sure to execute it before 5 pm Pacific time. Otherwise, the payment will be credited on the next day.
You can also send your check or money order for the due amount via the post office. The mailing address of the Indigo credit card for payments is as follows:
Genesis FS Card Services
PO Box 4477
Beaverton, OR 97076-4477
AutoPay
You are charged with a penalty if you fail to pay the bill within the prescribed time. The company will charge you a late fee of around $40. Therefore, you can avoid the late fee by choosing the AutoPay feature of Indigo. You can schedule your payments in advance, and the amount will be credited automatically on the scheduled date.
Customer Service
There are different ways to get in touch with the Customer Service of Indigo and Celtic Bank for card issues, problems, and resolutions.
Phone
Here is the Customer Service number for calling: 866-946-9545
You can call and ask for help during working hours on active business days.
Mailing Address
The mailing address for credit card payments is as follows:
Genesis FS Card Services
PO Box 4477
Beaverton, OR 97076-4477