Indigo Platinum MasterCard Review 2023

Got a great credit score? Or you don’t have any credit history but needs a credit card? I have an option for you!

Check out Indigo Platinum MasterCard in this article.

Indigo Platinum MasterCard

Amidst credit cards, there’s one that often goes under the radar but holds a key to financial recovery – the Indigo Platinum MasterCard.

It is designed for those with bad credit or possibly no credit history at all, this card offers a stepping stone towards a stronger financial future.

Hence, if you’ve faced the challenges of bad credit, you know the uphill battle of securing a credit card with favorable terms.

That’s where the Indigo Platinum MasterCard comes into the scene. This card can act as a lifeline for those aiming to rebuild their credit, even when traditional options seem distant.

Note that, credit cards for bad credit often come with less-than-ideal terms. Higher interest rates, lower credit limits, and annual fees can make them seem less appealing.

However, for many, the Indigo Platinum MasterCard is a bridge to credit recovery rather than just a card.

its terms may vary based on your credit history, but it’s designed to offer an opportunity to those who need it most.

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Credit card Features

Don’t expect great rewards or perks from the Indigo Platinum MasterCard – it’s a no-frills unsecured credit card.

Your credit history influences the interest rates, fees, and credit limit you’ll receive.

While annual fees are almost certain, they are often deducted from your initial credit limit.

Imagine a $59 annual fee alongside a $300 credit line; your initial available credit would be $241 with a $59 charge on your first statement.


To gain an understanding of what you might qualify for, Indigo provides a pre-qualification tool on its website.

However, remember that pre-qualification isn’t a guaranteed approval. The full application process might still yield different results.

Yet, the pre-qualification tool can provide insights into the fees and rates you can anticipate, helping you make informed decisions.

Genesis FS Card Services

The Indigo Platinum MasterCard is masterminded by Genesis FS Card Services, with Celtic Bank acting as the card issuer.

Although Genesis might not be a giant in the credit card industry, it’s well-established as regard bad credit and no credit solutions.

Their collaboration has birthed a card that caters to individuals seeking a fresh start.

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Consider a secured Credit Card Instead

While the Indigo card might shine in its category, there’s another path that could serve you well – the world of secured credit cards.

These secured credit cards require a deposit, usually in the $200-$500 range, but this deposit is refundable if you manage the card responsibly.

Many secured cards come with low or no annual fees and can pave the way to an unsecured card as you build a positive credit record.

The Indigo Platinum MasterCard may not have the bells and whistles of some credit cards, but it serves a specific purpose well.

It is a viable choice for those unwilling to embark on the secured card journey.

By using this card responsibly, you can rebuild your credit – it reports to the three major credit bureaus.

While fees and interest rates might lean towards the higher side, they are aligned with other issuers specializing in assisting individuals with bad credit.


In the midst of several credit cards, the Indigo Platinum MasterCard is a strand that offers hope and a way forward.

It may not be amazing, but it has the power to transform financial paths and empower those on a quest for credit redemption.

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Frequently Asked Questions

How long does it take to get approved for Indigo credit card?

When you apply online, you’ll typically hear back within a few minutes. Your card will be delivered if you are accepted within 14 business days. You’ll receive a letter in the mail explaining the decision if you’re rejected. People with credit scores of 500 or higher are eligible for the Indigo Credit Card.

What bank is Indigo Platinum MasterCard?

Celtic Bank

The Indigo MasterCard is issued by Celtic Bank, based in Salt Lake City, UT.

Can I use my Indigo card right away?

You will not be able to use your Indigo Credit Card right away after it has been approved. Unfortunately, Genesis is not one among the few issuers that provides this option. After being accepted, you must wait up to 10 business days for the card to arrive before using it.