Quick answer: The Indigo Mastercard is issued by Celtic Bank and serviced by Concora Credit. Manage your account, make payments and check your balance at indigocard.com. Use the customer service number printed on the back of your card for anything account-specific.
Last verified: 10 September 2026. The issuer, the servicer and the account portal were checked on this date. Card terms are set by the issuer and can change without notice — confirm anything specific to your account with the issuer directly.
Indigo Card Card at a Glance
| Detail | What to know |
|---|---|
| Card issuer | Celtic Bank |
| Servicer | Concora Credit |
| Account portal | indigocard.com |
| Network | Mastercard |
| Who it is aimed at | People with limited or damaged credit histories |
| Typical structure | Unsecured, usually with an annual fee and a high variable rate |
What the Indigo Card Is For
The Indigo Mastercard is a credit-building card. It is aimed at applicants who would struggle to qualify for a mainstream card — people with a thin file, past defaults or a recent bankruptcy — and pre-qualification can usually be checked without a hard credit inquiry.
The trade-off is cost. Cards in this category typically carry an annual fee and a high variable interest rate, both set out in your cardholder agreement. That makes it a poor card for carrying a balance and a reasonable one for demonstrating steady repayment on small purchases. Used that way — low balance, paid in full every month — it does the job it exists for. Our guides on building a good credit history and improving your credit score explain why utilisation and payment history matter most.
How to Log In and Manage Your Account
Registering for Online Access
- Go to indigocard.com and choose to register or set up online access.
- Enter your account number and the identifying details requested, typically your date of birth, the last four digits of your Social Security number and your ZIP code.
- Create a username and password and set your security questions.
- Confirm your email address so statements and alerts reach you.
Signing In
- Open indigocard.com.
- Enter your username and password.
- Complete the one-time passcode step if you are prompted for one.
Login Problems and How to Fix Them
- Details rejected: they must match exactly what the bank holds. An old ZIP code from a previous address is the most common mismatch.
- Forgot username or password: use the recovery links beneath the sign-in form and complete the verification steps.
- Account locked: repeated failed attempts lock access, and this cannot be reset from the login page. Call the number on the back of your card.
- Page will not load: clear cache and cookies, try another browser, and switch off any VPN — banking portals routinely block VPN traffic.
How to Pay Your Bill
- Online: sign in at indigocard.com and use the payment option on your dashboard. Setting autopay to the full statement balance prevents late fees and interest together.
- By phone: use the number printed on the back of your card, and have your account and bank details ready.
- By mail: send a cheque or money order — never cash — with your account number on it, to the remittance address printed on your current statement. Addresses change, so do not reuse one from an old bill or another website. Allow seven to ten days.
Make Sure You Are on the Real Login Page
- Type the address yourself. Reach indigocard.com from your own bookmark or the address bar, not from a link in an email, text or advertisement.
- Never share a one-time passcode, your full card number or your password with anyone who contacted you. Hang up and call the number on your card.
- No legitimate lender collects by gift card, wire transfer or payment app. That tell identifies a scam on its own.
- Avoid signing in on public Wi-Fi — see our guide on whether a Wi-Fi network is secure, and our safe online shopping guide.
Frequently Asked Questions
Who issues the Indigo credit card?
Celtic Bank issues the Indigo Mastercard, and Concora Credit services the account.
Where do I log in to my Indigo card?
At indigocard.com.
Can I check if I pre-qualify without hurting my credit?
Pre-qualification for cards of this type is generally a soft inquiry that does not affect your score. A full application is a hard inquiry.
Does the Indigo card have an annual fee?
Cards in this category usually do, and the amount varies by the offer you were approved for. Check your cardholder agreement for the fee that applies to you.
Will the Indigo card help my credit score?
Only if used carefully. Keeping the balance low relative to the limit and paying on time every month is what builds a positive history.
Conclusion
The Indigo Mastercard is issued by Celtic Bank, serviced by Concora Credit, and managed at indigocard.com. It is a credit-building product, so the sensible way to use it is small purchases cleared in full each month — that builds the payment history you want without paying the high interest rate that makes carrying a balance expensive.
Managing other store cards? See our guides to the TJ Maxx credit card, the Old Navy credit card and the Gap credit card. You may also find our guide to the credit score useful.
Not the card you were looking for? Our store credit card login guide lists the issuing bank, login portal and customer service number for twelve major store cards in one table.
