The Complete Guide to the Indigo Credit Card


Welcome to our comprehensive guide to the Indigo Credit Card, a MasterCard product which could be key to fixing or rebuilding your credit history. The Indigo Card is designed to help customers establish or improve their credit scores. Read on to find out everything you need to know about the Indigo Card including its main features, application process and the support available to Indigo Card customers.

Your Ultimate Indigo Credit Card Guide

The Indigo Credit Card, provided by Concora Credit, Inc., is designed to assist customers with limited or poor credit histories. It’s a fantastic tool for those looking to build or rebuild their credit profile. Over the years, Indigo has become a go-to option for people seeking to make everyday purchases, manage financial emergencies, or simply improve their creditworthiness through responsible use.


The application process is quick and easy, and you know almost immediately whether you are eligible for the card.

Indigo Card Main Features

A new credit card is a great way to help build up your credit and if you are eligible for the Indigo Card you’ll enjoy these core features:

Credit Limit

Credit limits vary from $300 to $750, based on your creditworthiness and payment history.


A uniform APR of 24.90% applies to purchases and cash advances.

Annual Fees

Depending on your credit history, annual fees range from $0 to $99.

Fraud Protection

Enjoy secure transactions with integrated fraud protection as per MasterCard policies and best practices.

Credit Reporting

Your payment history is consistently reported to major credit bureaus by Concora Credit, Inc.

The Benefits of Choosing the Indigo Credit Card

Customers looking for a credit building card may opt for the Indigo Card due to the following benefits:

Online Account Management

Easily monitor your account balances and due dates with online account management. This digital feature allows you to track your financial activity and keep on top of payments.


Stay on top of your payments and maintain a healthy credit score with payment reminders sent to you via email or text. These alerts serve as a useful measure to help you manage your financial commitments effectively.

Credit Building

For those with limited or damaged credit, this card is a powerful tool for responsible usage. By making timely payments and managing your account wisely, you can positively impact your credit score.

Cash Advances

Gain access to cash whenever you need it with the ability to use your card for cash advances at Mastercard-compatible ATMs. There will be additional fees attached to any cash advance so make sure to check how much you will be paying before taking advantage of this benefit.

Credit Limit Increases

Customers who demonstrate responsible usage may become eligible for increases in credit limit over time. This opportunity for growth reflects your reliability as a borrower and is often the case if you make timely payments and do not max out the card.

Mastercard Benefits

Enjoy the added value of Mastercard benefits, which include extended warranty coverage, purchase protection, and more. These perks enhance your purchasing experience and provide additional security.


Who is the Ideal Candidate for the Indigo Card?

Anyone can benefit from an Indigo Card but the high APR may put off people who already enjoy good credit. With this in mind, it is a card particularly suited to customers who want to rebuild a less-than-perfect credit score or perhaps build a score where they have not had one before.

Applying for your Card

One of the key benefits of this card is how simple the application process is. Some customers receive a prequalification invite code in the mail while others make an application themselves online, both are equally effective. Our full guide to applying for your card goes into more depth.

Activating your Card

You can quickly and easily activate your card online or via telephone. The process takes just a few short minutes and we’ve written a step-by-step guide here for you to understand the process.

Managing your Indigo Card Online

Managing your Indigo Card online is easy with the helpful and well-designed online account feature. Account management is very easy, and you can track card usage and activity such as cash back earned and set up auto-payments. We dig deeper into logging into and managing your account here.

Making Payments

We recommend setting up online autopay as soon as you activate your card so that your never miss a payment. You can also make a one-time payment via telephone, mail or through your online account. Our payments guide provides the simple steps you need to make every kind of payment.

Customer Support

Sometimes your queries cannot be answered online and you do need to get in touch with the customer support team at Indigo. Their team is readily available to help with a range of queries and you can discover all about what’s on offer on our customer services page.

We’ve put together this guide so you can discover all you need to know about the Indigo Card and make an informed decision before applying. We highly recommend the Indigo Card for establishing and rebuilding your credit history if you are careful and responsible with payments.

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