Getting the Most Out of Your Indigo Platinum Mastercard

Opening a new credit card account can be an intimidating process. But the Indigo Platinum Mastercard aims to make building your credit straightforward with easy application requirements, fast digital account access, and the ability to monitor your credit activity.

Who Should Get This Card

An Indigo Platinum Mastercard is best suited for those looking to:

  • Establish credit for the first time
  • Build up from a low credit score
  • Access a $300 initial credit line

It offers pre-qualification without impacting your credit score. So you can check if you might be approved before formally applying.

The card does come with a $99 annual fee. But it provides perks like identity theft protection and purchase warranties that offset the cost. As you responsibly manage your credit, you can potentially graduate to a higher credit limit card with fewer fees when the time comes.

How to Apply

Applying for the Indigo Platinum Mastercard only takes a few minutes:

  1. Visit the application page
  2. Enter your invitation number and ZIP code if you have a pre-qualified offer
  3. Confirm your identity and income details
  4. Submit your application

You’ll receive an instant decision about whether you’ve been approved. And your card typically arrives by mail within 7-10 business days.

Activating Your New Card

Once your card comes in, you’ll need to activate it before making any purchases.

  • Call 1-866-946-9545 and when prompted enter “#”
  • Work with the customer service agent to activate
  • Or login online and click the “Activate Your Card” button

The activation process establishes your PIN code and gets your card ready for transactions.

Managing Your Account Online

You’ll get the most convenience and visibility into your account activity by registering online. With a digital account, you can:

  • Check your balance
  • Review transaction history
  • Make payments
  • Set up alerts
  • Access customer support

And if you ever forget your login information, the site offers an automated password and username recovery flow powered by email verification.

Responsible Credit Card Use

  • Pay at least the minimum payment by the monthly due date to avoid late fees and interest charges
  • Try to pay your full statement balance each month to build credit without accruing debt
  • Only make purchases you know you can afford to payback

Careful money management habits go hand-in-hand with improving your credit score over time. An Indigo Platinum Mastercard gives you an entry point to start establishing responsible credit history.


For those new to credit or looking to rebuild credit, the Indigo Platinum Mastercard provides an accessible starter card to build better financial habits. Monitor your spending activity through the online portal and make consistent on-time payments each month to lay the foundations for a healthy credit profile.

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