The IndigoCard debit card and mobile app launched in 2019 as a mobile-first banking solution. The company was founded by a team of fintech veterans who saw an opportunity to leverage technology to reimagine checking accounts and rewards.
An IndigoCard account operates similarly to a digital-only checking account paired with the convenience of a debit card for payments and withdrawals. All account management from opening an account to tracking transactions can be handled through the mobile app.
IndigoCard appeals most strongly to digitally savvy consumers who are comfortable managing finances through a mobile interface. Key demographics include:
For tech-forward consumers looking for a 21st-century approach to banking, rewards, and money management, IndigoCard hits the mark on critical features and benefits.
IndigoCard combines the capabilities of digital banking apps with the utility of a debit card. Funds can be loaded to the account from external banks or direct deposit and then spent anywhere Visa is accepted.
Making payments on time is crucial for maintaining a good credit score. If you have an Indigo credit card, it’s important to understand how to pay your bill properly. This comprehensive guide will walk you through the various ways to pay an Indigo bill, as well as provide tips for making sure your payments are on time.
Overview of Indigo Credit Cards
Indigo offers several different credit cards, including the Indigo® Mastercard® for Less than Perfect Credit. This card is designed for those working to build or rebuild their credit. It has no annual fee and reports to all three major credit bureaus
Indigo credit cards are issued by Celtic Bank. Cardholders can manage their accounts and make payments online, over the phone, by mail, or at certain retail locations
When Your Bill is Due
Your Indigo credit card statement closing date is around the same time each month, This is usually 25 days before your next payment due date,
For example, if your statement normally closes on the 15th of the month, your payment will be due around the 10th of the following month. Check your monthly statement for your specific due date.
It’s crucial to pay at least the minimum payment by the due date every month. This keeps your account in good standing and avoids late fees and interest charges. Paying more than the minimum when possible can help you pay down balances faster too.
Ways to Pay Your Indigo Credit Card Bill
You have several options when it comes to making an Indigo credit card payment:
Pay Online
The easiest way for many people to pay their Indigo bill is online. Simply log into your account on the Indigo website and click on “Make a Payment.”
You can pay from a bank account, debit card, or another credit card. There’s also an option to set up automatic payments directly from your checking account each month.
Pay by Phone
Call 1-800-353-5920 to make an Indigo credit card payment over the phone. You’ll need to enter your card number and account information.
Phone payments can be made 24/7. This is a convenient option if you prefer talking to a live representative.
Pay by Mail
To pay your Indigo bill by mail, send a check or money order to:
Concora Credit
PO Box 23039
Columbus, GA 31902-3039
Be sure to include your 16-digit Indigo credit card number on the check. Mail your payment at least 7-10 days before the due date to ensure it arrives on time.
Pay at Walmart
Indigo cardholders can make bill payments at any Walmart store in the United States. Take your monthly statement with you and visit the customer service desk.
There is no fee for this service. Payments made at Walmart before 8 PM on a business day will typically post to your account that day.
Tips for On-Time Payments
Here are some tips to help make sure you never miss an Indigo credit card payment:
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Set up automatic payments from your bank account. This deducts your payment each month automatically.
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Sign up for payment reminders by email or text from Indigo. You’ll get an alert when your bill is ready and near the due date.
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Mark your monthly due date on your calendar so you remember to pay.
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Pay a few days early each month to account for mailing time or delays.
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Set a monthly reminder on your phone around your due date.
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Log into your account regularly to check for new statements. Don’t rely solely on paper statements by mail.
What Happens If You Pay Late?
If you don’t pay your minimum Indigo credit card payment by the due date, your account will become delinquent. This can lead to:
- Late payment fees of up to $37
- Increased APR on existing balances
- Harm to your credit scores
- Account closure or suspension
To avoid late fees if you pay after the due date, contact Indigo customer service immediately at 1-800-353-5920. You may be able to request a one-time waiver of the late fee.
Contact Indigo Customer Service
If you ever have questions or issues related to your Indigo account or bill payment, contact customer service at 1-800-353-5920. The line is open 24 hours a day, 7 days a week.
You can also send secure messages to customer support after logging into your account online. A representative will assist with any billing or payment concerns.
Reach Out for Payment Assistance
If you’re struggling to make payments due to financial hardship from job loss, reduced income, or other issues, Indigo does offer assistance options. You can request:
- A reduced minimum payment
- A lower interest rate
- To skip a payment once every 6 months
Contact Indigo as soon as possible to discuss your situation and see what payment relief may be available. This can help you avoid further late fees and credit damage.
Switch to a Lower Interest Card
If you’re carrying a balance on your Indigo card and struggling with high interest charges, consider transferring the balance to a different credit card with a lower promotional APR. Many cards offer 0% intro APRs on transferred balances for 12-21 months.
This pause in interest charges allows you to pay down principal faster. Just be sure to have a payoff plan before the intro rate expires.
Summing Up – Paying Your Indigo Bill on Time Matters
Managing payments on an Indigo credit card is easy when you understand the online account tools, payment methods, due date schedules, and more. Set up automatic payments or calendar reminders so you never miss a bill.
Pay at least the minimum due every month, but always pay more when possible. Contact customer service if you need to report a late payment or discuss payment assistance options. Maintain on-time payments and you’ll avoid fees while building positive credit history.
Fees for Premium Cards
Unlike the no-fee basic IndigoCard, upgraded cards incur annual fees that vary by tier.
Monthly Fee:
No monthly fees apply, even on premium cards. Only annual fees are charged depending on card type.
Annual Fee:
These annual fees apply:
- IndigoCard: $0
- IndigoCard Pro: $195
- IndigoCard Black: $295
The annual fee is billed automatically each 12 months on the card issuance anniversary.
Upgraded cards unlock additional functionality on top of boosted rewards.
Airport Lounge Access:
IndigoCard Pro and Black provide complimentary access to 1,200+ airport lounges globally through Priority Pass Select memberships.
Higher Cash Back:
As shown in the earn rates breakdown earlier, premium cards earn up to 7% back on popular spend categories compared to just 4% maximum on the basic card.
Travel Credit:
For each card anniversary, IndigoCard Black provides a $100 annual travel credit that can be applied to travel purchases. Terms apply.
Premium cardholders also gain exclusive benefits and elite service levels.
Concierge Service:
IndigoCard Pro and Black feature a 24/7 concierge to help book travel, make restaurant reservations, find tickets to events, send gifts, and more.
Free ATM Withdrawals:
Higher daily ATM withdrawal limits apply. And using out-of-network ATMs no longer incurs fees, saving users even more.
Gift Cards:
Each year, cardholders get anniversary gift cards like $50 to select streaming services or other brands tailored to spending habits.
For big spenders, the upgraded metal and virtual cards provide luxury perks and preferential rewards beyond the base IndigoCard. But at a steeper price.
While IndigoCard is feature-rich, it may not be the best fit for all consumers. Several compelling alternatives exist.
Login to Your Existing Account
If you already have an IndigoCard account, you can log in to manage your account details and card information.
Your online account dashboard lets you monitor your balance, view statements set alerts, make payments, and more.
Follow these simple steps to log in:
- Click “Login” on the homepage
- Enter your email and password
- Complete 2-factor verification
- Access your account dashboard
- Log out when finished
Logging in allows complete control over your IndigoCard account online. Let us know if you need assistance accessing your account portal.
How To Pay Indigo Credit Card (How Can You Make A Payment To An Indigo Credit Card?)
FAQ
How do I pay my Indigo credit card bill?
You can pay with an Indigo Mastercard for Less than Perfect Credit online, over the phone, through the mail, or in person. Sign in to your online account and click on “Bill Pay” to pay your Indigo Credit Card bill. ” Then, choose how much to pay, when to pay it, and where the payment is coming from.
Can you pay Indigo with a debit card?
What other types of payments does IndiGo accept? You can use debit cards, credit cards, net banking, travel vouchers, Mobikwik, and Citibank Premier Miles. Read More.
What is the phone number for Indigo card?
The Site lets you look at your personal information if you have an account. You can change your address, phone number, and email address. To request a change of any other personal information, please call customer service at 800-229-0364.
Can I view my Indigo card online?
Yes, you can. Once you get your new credit card and are approved, you can set up a login and password on our safe website, www. myindigocard. com. Your online account allows you to manage your account and easily pay your bill.
How do I pay an indigo credit card bill online?
Sign in to your online account and click on “Bill Pay” to pay your Indigo Credit Card bill. ” Then, choose how much to pay, when to pay it, and where the payment is coming from. Celtic Bank does allow cardholders to set up automatic payments, too. Online: Log in to your online account and click on “Bill Pay. “.
How do I Pay my Indigo platinum Bill?
Please keep in mind that the Indigo Platinum card needs at least a monthly payment of $25 or 1% of your balance, whichever is greater. The process to pay your bill using this portal is explained here. To access your account, log into your account online, and click on the option that says My Account.
What payment methods does IndiGo offer?
We are here to help. IndiGo offers its customer different types of payment methods while booking. Customers can book online and pay in a number of ways, including with credit or debit cards, RuPay, Maestro, MasterPass, Amex ezeClick, E-Gift Vouchers (eGV), Net Banking, Wallet, EMI, Unified Payment Interface (UPI), and Citibank Rewards.
How do I Register my Indigo credit card?
Register your Indigo Credit Card for online account access. To make sure this is really you, click “Register Your Account” and type in your last name, date of birth, zip code, and Social Security number. Choose your Indigo Credit Card username and password. The username and password cannot include spaces.
How do I prevent missed Indigo credit card payments?
And contact Indigo immediately if you anticipate payment issues. Setting up automatic payments through your online account is the easiest way to make sure you don’t miss any Indigo credit card payments. If you set up autopay, Indigo will charge your bank account or debit/credit card for at least the minimum payment on your due date every month.
How do I contact Indigo customer service?
You can call Indigo’s customer service line at (866) 946-9545 if you can’t get into your account or pay your bill. A customer service agent can help you navigate the site and online bill payment services. How does a credit card billing cycle work?.
