The way we pay is changing. Gone are the days of “pay first, enjoy later.” Welcome to the era of “enjoy first, pay later.” This shift is powered by Buy Now, Pay Later (BNPL), and Atome is leading the charge in Southeast Asia.
Now, Atome is taking things further with the Atome Card in Malaysia. It’s a smart payment card that brings together BNPL flexibility and Visa’s global reach, helping users enjoy spending freedom with safety and control. Shop, pay bills, and make everyday purchases worldwide, then choose how you want to pay: enjoy an interest-free period or spread costs over easy instalments. It’s payment freedom, redefined.
What Is the Atome Card?
The Atome Card is an innovative installment payment card that lives up to Atome’s BNPL promise while tapping into Visa’s worldwide network. Use it at millions of Visa merchants (online and in-store) for everything from online shopping and travel to bills, dining, and entertainment.
No Banking Hassles
Unlike traditional payment cards, there’s no need for income proof, lengthy paperwork, and complicated approval process. Simply apply through the Atome App, and the system automatically evaluates your eligibility based on your usage patterns, repayment history and overall risk profile.
Once approved:
- Get a virtual card instantly for online shopping
- Request a physical card for in-store purchases via tap-to-pay or chip transactions.
It’s a complete, seamless payment experience, all in minutes.
Transparent and Flexible Repayment
Cardholders can repay in full within an interest-free period of up to 40 days, or split payments into 3, 6, or 12-month instalments. Everything is tracked in real-time within the app. Fees are fully transparent – no hidden charges, no confusing fine print.
Earn While You Spend
The Atome Card also integrates the Atome+ rewards program, so every purchase earns points you can redeem for cashback, vouchers or rewards. Your spending becomes rewarding, not just another expense.
How the Atome Card Works
The Atome Card is designed for today’s mobile-first lifestyle. Everything happens within the Atome App. Fast approval, instant usage and flexible repayments.
- Apply via the Atome App
Open the app, head to the “Card” section, and tap “Apply” or “Join Waitlist.” No payslips or bank statements needed. Just basic info and identity verification.
- Get Instant Approval
Once approved, you’ll receive your virtual Atome Card immediately, all ready for online transactions.
- Request a Physical Card (Optional)
Want to shop in-store or abroad? Get a physical card with tap-to-pay and chip functions and can be used at any Visa-enabled terminal. After approval, the physical card will be mailed to your address for convenient offline use.
- Spend Anywhere, Pay Your Way
Use your Atome Card on platforms like Shopee, Lazada, Grab, and Zalora, plus top travel, dining, and entertainment venues. Every transaction shows up instantly in the app, where you can:
- Pay later up to 40 days with zero interest
- Pay in instalments over 3, 6, or 12 months
All fees and schedules are displayed upfront. Set up automatic reminders and autopay to avoid missed/late payments, or adjust plans and make early payments anytime for better cash flow management. Total control, total transparency.
Key Features and Advantages of Atome Card
The Atome Card isn’t just another payment tool. It’s a new way to blend financial flexibility and smart money management. By combining Visa’s global reach, Atome’s BNPL capabilities, and digital technology, it helps Malaysians shop, pay, and plan more effectively.
Global Acceptance
Shop anywhere Visa is accepted, online or in-store. From Shopee, Lazada, and Zalora to dining, travel, and daily essentials, Atome Card brings BNPL beyond e-commerce to every part of your lifestyle.
Interest-Free & Pay Later Up to 40 Days
Enjoy an extended interest-free grace period of up to 40 days. It is more than just convenience. It helps you manage cash flow and keep your spending flexible without added costs.
Flexible Instalment Options
For bigger purchases like electronics, tuition, travel, or home improvements, split payments into 3, 6, or 12 months. Each plan is fully transparent with no hidden rates and no confusing fine print..
No Annual Fees and Low Entry Barriers
No annual or account fees. No minimum income or paperwork hassles required. Apply easily in the Atome App and start using your card within minutes.
Atome+ Rewards
Turn every transaction into rewards. Earn Atome+ points for every purchase and redeem them for cashback, vouchers, discounts, or rewards. The more you use the Atome Card, the more perks you unlock.
Smart Management and Built-In Security
The Atome App puts you in control:
- View bills, instalments, and due dates at a glance
- Set up autopay and get automatic reminders
- Make early settlements without penalties
Security is built-in with Visa Secure (3D authentication), real-time monitoring, and encryption. Lost your card? Freeze it instantly via the app.
Together, these features make Atome Card more than a credit card alternative. It’s a next-generation financial tool that balances freedom, clarity, and responsible use.
Eligibility and Application of Atome Card
The Atome Card aims to make financial flexibility available to all Malaysians. To qualify:
✅ Be at least 18 years old
✅ Malaysian citizen or long-term resident
✅ Hold a valid IC or passport
✅ Have an active Atome account in good standing
✅ No minimum income required
Applications are assessed automatically based on your Atome spending and repayment behavior. As the card is rolled out in phases, details such as documentation, credit limits, and approval times will be updated in the app.
With low barriers, fast approval, and transparent usage, the Atome Card allows more Malaysians to enjoy safe, controlled, and flexible deferred payments without relying on traditional bank credit.
Security and Responsible Use
The Atome Card is built on a simple philosophy: flexibility should be safe, transparent, and manageable, not a path to overspending. BNPL is a tool to balance cash flow and strengthen financial flexibility, not to pile on debt.
Here’s how to use it responsibly:
✔️ Budget wisely – Use your limit for essential or high-value purchases
✔️ Track spending regularly – Review bills and instalments in the app
✔️ Use the 40-day interest-free period – Maintain good payment habits
✔️ Avoid platform overlap – Stick to one BNPL service for better debt control
Every transaction is protected by industry-grade safeguards:
- Visa Secure (3D authentication) to block unauthorised use
- Bank-grade encryption and risk monitoring to detect suspicious activity
- Instant card control in the app to freeze or unfreeze your card anytime
- Real-time notifications to keep you updated on every transaction
Atome works closely with Visa, payment gateways, and regulators to maintain the same high security standards as traditional payment cards, all while keeping the simplicity and flexibility that define BNPL.
Pay Later Anywhere With the Atome Card
Atome Card Malaysia combines installment flexibility with smart money management in one powerful Visa card. No annual fee. No income requirement. Just download the Atome App and apply in minutes.
Enjoy up to 40 days interest-free or split payments over 3, 6, or 12 months. Whether you’re shopping online or in-store, Atome Card delivers a secure, transparent payment experience that puts you in control.
Backed by Visa’s global network and Atome’s real-time risk monitoring, every transaction is protected with industry-leading security. For Malaysians seeking financial freedom without losing control, Atome Card isn’t just another payment option. It’s a smarter way to spend.
Ready to experience the future of flexible payments? Download the Atome App, go to the “Card” page, and apply or join the waitlist today.
Frequently Asked Questions (FAQ)
No, the Atome Card is completely free of annual fees with no hidden charges.
Unfortunately, ATM cash withdrawals aren’t supported at the moment. However, you can use your Atome Card for online and in-store purchases anywhere Visa is accepted.
A fixed late fee will apply, and your available spending limit may be temporarily reduced. To stay on track, do monitor your bills and ensure timely repayments so you can continue enjoying flexible spending responsibly.
