Indigo Credit Card FAQs


If you have any questions about your Indigo Card, you can contact their customer services team. However, we have also put together this list of common questions and answers which hopefully has all of the information you need to know if you are a current or prospective holder of the Indigo MasterCard. We’ve separated the FAQs into sections so you can easily find the answers you need.

Applying for the Indigo Credit Card

1. How do I apply for the Indigo Credit Card?

Visit to start the pre-qualification process if you haven’t received an invite code. If you already have an invite code, proceed to or and follow the on-screen instructions to complete your application. Our application page goes into more depth about applying for the card.

2. Can I apply for the card without an invitation code?


Absolutely, you can pre-qualify at without an invitation code. Visit our application page for a full description of the application process and what you need to do without an invite code.

3. Is a high credit score needed to become an Indigo cardholder?

The Indigo card is designed for individuals with less-than-perfect or limited credit histories; therefore, a high credit score is not mandatory. However, very poor credit can mean you will be denied the card.

Activating and Managing your Indigo Account

1. How do I activate my new Indigo Credit Card?

Once your card arrives, visit and follow our activation guide to get started.

2. Can I set up Autopay for my Indigo card payments?

Yes, we highly recommend setting up autopay through your account settings to prevent missed payments. Our payment guide is there to help you understand the process for setting up autopayments and one-off payments too.

4. Can I download an app to manage my Indigo Card?

There is no app available for your Indigo Card or account yet. However, your card can be easily managed online via their website which is fully mobile responsive and accessible.

Using your Indigo Card

1. How long does it take to receive my credit card after approval?

New cardholders typically receive their Indigo card within 7-14 business days following approval.

2. Can I arrange balance transfers with my new Indigo Card?

Balance transfers are not possible with the Indigo card. This is because of its function as an introductory card with a low initial credit limit.

3. Does the Indigo credit card offer fraud protection?

Yes, as a MasterCard product the Indigo Card includes protections against fraud, specifically zero liability protection against fraudulent charges.

4. What annual fee applies to my new card?

Annual fees are tailored based on your credit history, ranging from $0 to $99. You will be told your personalized annual fee when you receive your card approval.

5. Are there foreign transaction fees with the Indigo card?

All transactions outside of the USA are subject to foreign transaction fees and you can check out the specifics by region in your card agreement.

Credit Management and Customer Support

1.  Is my credit limit set?

No, customers may have opportunities to increase their credit limit after the first six months of having their card. You may be offered credit limit increases in line with your sensible usage of the card and timely payments.

2.  What happens if I miss a payment on my Indigo card?

Missed payments can incur late fees and negatively affect your credit score. This is a credit card designed to help rebuild and fix your credit score, so on-time payments are crucial.

3.  How can I contact Indigo support?

You can contact Indigo Card support on 1-800-353-5920 or log into your account for additional support services.

Additional Features and Policies

1. Are there any benefits or rewards programs linked to the Indigo Card?

The Indigo Card offers a generous cash back program. You can explore the specifics within your account but it is possible to gain up to1% cash back on purchases, with no maximum limit on the rewards available.

2.  Can I add authorized users to my account?

There is no facility for adding additional authorized users to your Indigo Card account. Individuals who want access to an Indigo Card should apply for their own card.

3.  Are there any upgrade opportunities with the Indigo Card?

The Indigo MasterCard cannot be upgraded but there is the potential for those increased credit limits.

4.  Will my Indigo Card Activity be Reported to the Credit Bureaus?

Yes, Indigo Card ensures your activity is reported to the leading bureaus: Equifax, Experian, and TransUnion to help in your journey to better credit.


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