Activate Your Indigo Card: Quick Steps

Hey there! Congratulations on getting an Indigo Card. This handy piece of plastic is your ticket to rewards, savings, and financial freedom. But before you can start reaping the benefits, you’ll need to activate your new card. Don’t worry, the activation process is quick and easy. We’ll walk you through every step so you can start using your Indigo Card right away. Let’s get started!

What is the Indigo Card?

First things first – what exactly is the Indigo Card and why should you get one? The Indigo Card is a credit card that offers amazing perks like cash back on purchases, fraud protection, and special financing options. It’s accepted worldwide, has no annual fee, and can help build your credit. Having an Indigo Card means access to financial tools and resources that unlock possibilities in your daily life.

Some of the top features include:

  • Earn up to 5% cash back on select purchases
  • $0 fraud liability so you’re protected from unauthorized charges
  • Credit line increase options as your credit grows
  • Online and mobile app access to manage your account 24/7

When used responsibly, the Indigo Card allows you to earn rewards while building your credit profile for future financial goals like buying a car or home. It’s a powerful card to have in your wallet!

Why Get an Indigo Card?

Now you know what it is, but why should you get an Indigo Card? Here are the top reasons to apply for one today:

Earn Cash Back – The Indigo Card offers up to 5% cash back on rotating categories each quarter like gas, groceries, dining, travel and more. That means you can earn money back on purchases you’re already making!

Improve Your Credit – Responsible use of the card shows lenders you can manage credit well and pay on time each month. This can improve your credit score over time.

Fraud Protection – You have $0 liability for any unauthorized charges on your card. If your card number gets stolen, you won’t be held responsible.

Perks and Savings – Enjoy special financing offers, access to exclusive events, and discounts on shopping, dining, and entertainment.

Convenient Tools – Manage your account online or with the mobile app. Check your balance, make payments, redeem rewards and more 24/7.

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Ready to unlock the possibilities? Let’s look at how to get your own Indigo Card.

How to Get an Indigo Card

Getting approved for the Indigo Card is easy and fast online or in person. Here is what you need to know:

Eligibility Requirements

To qualify for the Indigo Card, you’ll need:

  • Good or excellent credit (credit scores above 670 have the best approval odds)
  • Steady income with no recent bankruptcies or late payments
  • Valid Social Security number
  • To be 18+ years old (or 21+ in some states)

As long as you meet these requirements, you have a great shot at being approved!

Applying Online or In Person

You can apply digitally or fill one out in person.

To apply online:

  • Visit the Indigo Card website and click “Apply Now”
  • Complete the secure online application with your information
  • Receive an instant decision within minutes

To apply in person:

  • Stop by your nearest Indigo Card branch location
  • Ask for a paper application
  • Fill it out and submit it on the spot for review
  • Get approved or denied right away

And that’s it! Easy, right? Now let’s look at what to do once you get approved.

Activating Your New Indigo Card

You finally got approved and received your new card in the mail – awesome! But it’s not ready to use yet. Activation is required as a security measure. Here’s how to get your card up and running:

Calling to Activate

You can activate it by phone using the number on the activation sticker on your card. Call the number and follow the automated prompts to:

  • Enter your 16-digit card number
  • Confirm your identity by providing personal info
  • Create a PIN code for card use

The whole call takes less than 5 minutes.

Activating Online

To activate online, visit the Indigo Card website and click “Activate My Card” under your account. Provide your card details and follow instructions to:

  • Verify your identity
  • Set up online banking login credentials
  • Get your card status changed to “Active”

This way also only takes a few minutes.

Downloading the App

You can activate it through the Indigo Card mobile app too. Download it from your phone’s app store. Open the app, enter your new card info, and follow the activation steps.

The app makes managing your account super convenient going forward!

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Using Your Activated Card

Hooray, your card is activated! Now let’s discuss how to start using it:

Making Purchases

Use your Indigo Card at checkout by swiping or inserting the chip. Enter your PIN or sign the receipt. Your purchase history will appear in your online account. Don’t forget to earn cash back!

Getting Cash Back Rewards

Cashback will automatically apply as statement credits or you can redeem it for gift cards, travel and more. Check your rewards activity online to keep track of earnings.

Checking Your Balance

Check your account balance and available credit anytime by logging into online/mobile banking or calling the number on the back of your card. This helps avoid overspending.

Be sure to pay on time and stay under 30% credit utilization. Now go enjoy your activated card!

Troubleshooting Card Activation

Have issues getting your card activated? Here are some common problems and solutions:

Common Activation Errors

  • Verifying identity – Make sure the personal details you enter match what’s on file exactly.
  • Incorrect PIN – Triple-check the PIN you create. Resetting it can delay activation.
  • Wrong information – Entering any incorrect card details will cause a hang-up. Double-check the numbers.

Reaching Customer Support

If you still can’t activate your card, immediately call or chat with customer support online. They can walk you through troubleshooting or submit an activation help request. Don’t wait – get the help you need fast!

Making the Most of Your Indigo Card

Now that your card is active, let’s go over some tips for maximizing it:

Take Advantage of Benefits

Be sure to use your activated card for all purchases to earn the most cash back possible. Check your account for targeted offers too.

Build Your Credit

Pay your bill on time and keep your utilization low to boost your score over time. A good credit profile means bigger credit line increases.

Upgrade Your Card

As your credit improves, you may qualify for premium Indigo Cards with more rewards and perks. Upgrade for free by contacting customer service.

Ready to unlock your card’s full potential? Get excited about the possibilities and opportunities ahead!


Activating your new Indigo Card is a quick process that allows you to start enjoying all the benefits it has to offer. Call, go online or use the app to verify your identity and set a PIN. If you run into any issues, reach out to customer support right away. Once your card is active, make purchases, earn rewards and build credit responsibly. Your Indigo Card opens up a whole new world of financial freedom and flexibility. Get ready to unlock amazing possibilities with a simple activation!

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Frequently Asked Questions

Q: How long does it take to activate my Indigo Card?

A: Activation typically takes less than 5 minutes whether you call, go online or use the mobile app. It’s a quick, seamless process.

Q: Do I need to activate a new card if I’m replacing an expired one?

A: Yes, you will need to activate any brand new Indigo Card, even if replacing an old one

Q: Is there a fee to activate my Indigo Card?

A: No, there is no fee to activate your new Indigo Card. Activation is free whether you do it by phone, online, or through the mobile app.

Q: Do I need to call from the phone number on file to activate?

A: No, you can call from any phone number to activate. You just need to have your new card handy along with the activation sticker.

Q: What information do I need to activate my card?

A: To activate, you’ll need to provide your 16-digit card number, expiration date, security code, Social Security number, and personal details like your name, address, birth date, etc.

Q: What happens if I don’t activate my new card?

A: If you don’t activate your card, you won’t be able to start using it for purchases, withdrawals, or any other transactions. Activation is required for a new card to be usable.

Q: How do I know if my card is activated?

A: You can verify your card is activated by logging into your online account or mobile app. It will show your card status as “Active” once activation is complete. You can also call customer service to confirm.

Q: What should I do if activation doesn’t work?

A: If you have trouble activating, call or chat with customer support right away. They can troubleshoot the issue or submit a request to help activate the card properly. Don’t delay reaching out for help.

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