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Indigo payments machine8/4/2023 ![]() ![]() You definitely won’t want to carry a balance in order to avoid accumulating interest charges. ![]() That said, many unsecured cards carry APRs upwards of 24 percent, so this is a middle of the road option. You’ll find plenty of credit building options with a lower APR, such as the OpenSky® Secured Visa® Credit Card, with an APR of 22.39% (variable). The Indigo card APR is also nothing special. So while you’ll get the average credit limit right away without a deposit, you might find your progress inhibited a few months down the line when you can’t improve your available credit. Plus, the Indigo card does not specify any timeline for an account review to increase your credit limit. ![]() The initial credit limit of $300 is standard for a credit building card, but is still pretty low when it comes to boosting your credit score. When it comes to steadily increasing your credit limit, the Indigo card leaves much to be desired. No specified timeline to increase credit limit The Indigo card is a good option if you don’t have the funds to put down a large deposit, but want a standard credit limit right away. Everyone who is approved for this card will receive a standard credit limit of $225-$300, depending on your annual fee. ![]() Unlike many cards available to those with bad to fair credit, the Indigo card does not require any sort of security deposit. Standard credit limit with no security deposit If you have bad to fair credit and are eager to improve it, this card is a quick and easy way to get started. If you are still worried about qualifying, you can check for pre-qualification on their website in just a couple minutes with no impact to your credit score. The Indigo Mastercard is specifically designed for people with less than perfect credit, and it is even available to those with a previous bankruptcy. There is no rewards program though, so if you qualify for the highest annual fee the cost of membership is much higher than typical. You won’t have to pay a set-up or monthly servicing fee. In general, the additional fees aren’t too bad for an unsecured card. But the wide range of annual fees and unspecified policy for increasing your credit limit over time rank this card on the lower end of credit building cards. 2) The flexible payment will be 10% of the total fare or ₹400, whichever is higher, and will be charged on a per passenger basis.ģ) Customers are required to confirm their booking by paying the total fare through the “Edit booking", or through the payment link received at the time of making a Booking using the Flex Pay option or by calling the IndiGo call center within the Flex Pay Period.Ĥ) Flex Pay payment cannot be paid by a customer using any reward points or through a voucher.ĥ) The Flex Pay period will be available to a passenger within 15 (fifteen) days from the date of booking.Ħ) The Flex Pay option will not be available for certain fares, including fares for armed forces and group bookings.ħ) The Flex Pay option is available for a limited number of seats per flight, and remains subject to availability.Ĩ) In case of cancellation of a booking, Flex Pay Payment will not be refunded by IndiGo to the customer.ĩ) A booking made using the Flex Pay option cannot be modified, until payments for all outstanding amounts due for such booking have been made by the customer before the expiry of the Flex Pay Period.ġ0) IndiGo reserves the right to withdraw or modify these terms, at any time, at its absolute discretion, without assigning any reason and without prior intimation.If you are trying to improve your less than perfect credit, the Indigo Mastercard has a pretty standard APR and credit limit. ![]()
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