Indigo® Platinum Mastercard®

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Recommended Credit Score

Bad to Fair (300 - 670)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

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Best for bankruptcy forgiveness

Annual Fee:
Purchase Intro APR:
Regular APR:
24.90% (Fixed)
Terms and Restrictions Apply

The Indigo Platinum Mastercard is aimed at those with poor credit, which means it’s easier to get approved for this over other cards. Indigo also reports to all three of the major credit bureaus, so with regular on-time payments, you can improve your score and eligibility for credit cards with lower APRs.


We know that when you have sub-par credit, the credit card choices available to you can be underwhelming. Still, there’s no reason to settle for the Indigo Platinum Mastercard.

This card’s structure may make it challenging for you to get your credit score back on track by charging you annual fees and a high APR. Pick a better card; we’ll show you a few (and a few to avoid too!)

The only reason to get this card is if you’re trying to build up your credit score. This card has three different fee structures. The one you’ll be offered is dependent on your creditworthiness as determined by the issuer.

All have the same high APR 24.90 fixed. In a best-case scenario, you’ll pay no fee. But some will have to pay a $75 annual fee, the first year and S$99 thereafter. For those stuck with a fee, whatever the amount is, it can seriously hamper your card’s purchasing power. If you’re approved for a limit of $300, then $75 of that will be used up in the first billing cycle by the annual fee. Ouch.

Who should get this card

If you have a less-than-stellar credit history, this card could be a good way to help get your credit score back on track. If you qualify for the no-fee card, it’s a better choice than some of the other cards targeting customers with damaged credit, which tack on fees at every turn.


  • This card reports to all three of the credit reporting agencies so with regular on-time payments, you can increase your credit score.
  • It’s possible to be approved for this card even if you have a bankruptcy on file.
  • The issuer will only do a soft pull to determine if you’ll get pre-approved for this card.


  • There are no rewards with this card.
  • This card may have some unspecified “set-up and maintenance fees” charged to you after your application is accepted. The exact terms of these fees and who will be charged are not disclosed in their terms so you may be in for a surprise.

Fees and APRs

  • This card charges a fixed APR of 24.90%
  • The annual fee is $0-$99. You’ll learn your fee only after you apply
  • There’s a penalty APR of 29.9 that may apply indefinitely to your account if you make a late payment, plus a late payment fee of up to $40.
  • There’s a 1% foreign transaction fee on all purchases made outside the U.S.

Extras and perks

Choose from six card designs to add your own personal flair.