Atome ID-Shop Smart, Earn More

Credit card with 0% interest up to 45 days and flexible installment plans

Atome is a lifestyle shopping platform that lets you explore, shop, and pay seamlessly across thousands of merchants. From fashion and electronics to travel and groceries, Atome brings together online and offline stores so you can shop smarter and live better — anywhere, anytime.
Use the Atome Credit Card or VA PayLater to enjoy 0% interest, flexible installment plans with no upfront costs across your favorite brands.

【 DISCOVER MORE OF THE ATOME ADVANTAGE 】
1. Atome Card
Powered by the Visa network and co-branded with PT Bank Mayapada Internasional Tbk (BMI), the Atome Card provides:
- 0% interest for up to 45 days
- Credit limit of up to Rp50,000,000
- Flexible installments of up to 12 months on every purchase
- No annual fees or hidden charges
- Secure and fast approval for peace of mind
- Shop anywhere Visa is accepted - online, in-store and overseas
To apply for the Atome Card, here’s what you’ll need:
- A valid KTP (ID)
- Be at least 21 years old
- The latest version of the Atome app
This service is provided by PT Bank Mayapada Internasional Tbk, licensed and supervised by the Financial Services Authority (OJK), and a participant of the Deposit Insurance Corporation (LPS).

2. Atome VA PayLater
Add even more flexibility with VA PayLater and shop smarter, without adding to your credit card balance. It’s the perfect solution for splitting your online shopping payments, in addition to the benefits of your Atome Card.
- 0% interest for up to 40 days on your online purchases when you pay your bill in full before the due date
- Use your Atome limit (up to Rp20,000,000) across top platforms like Shopee, Tokopedia, Agoda, Lazada, Blibli, Traveloka, Zalora, Tiket.com, and more.
- Enjoy repayment plans for up to 12 months — tailor your payments to your budget
- No admin fees or hidden charges—just straightforward payments

3. Buy Now Pay Later
Split purchases into 3 interest-free installments or longer with a small fee at partners like Matahari, Giordano, Nike & more. Payments auto-deducted from your card. Enjoy more with Atome—download now!
This service is provided by PT Atome Finance Indonesia, licensed and supervised by the Financial Services Authority (OJK)

HOW TO APPLY FOR THE ATOME CARD
1. Download the Atome app and tap the Card tab on the homepage
2. Tap "Apply for free" and choose your preferred Atome Card
3. Fill in your personal information and upload your KTP (ID)
4. Wait for pre-verification. The review takes 3 days. Check the status of your application, in-app.
5. Once pre-verified, e-sign to complete your Atome Card application.
HOW TO SHOP WITH THE ATOME CARD
1. Activate your Atome Card using the Atome app
2. Use your credit card to shop both online and in-store anywhere Visa is accepted
HOW TO APPLY FOR ATOME VA PAYLATER
1. Download the Atome app and tap the Card tab on the homepage
2. Tap "Apply now" and upload a valid KTP
3. Submit your personal information and go through facial verification.
4. To check your application status, go to the VA PayLater page in-app.
HOW TO SHOP WITH THE ATOME VA PAYLATER
1. Review your online shop's cart. Once you’re ready to pay, tap "Check Out" to get started.
2. Choose Bank Transfer as your payment method and select your preferred bank.
3. Tap Place Order to proceed, then copy the VA number for payment.
4. Launch the Atome app and tap VA PayLater.
5. Select the merchant and your preferred bank, then paste the VA number.
6. You’ll receive a notification once your transaction is confirmed.

CONTACT US
Atome delivers top shopping experiences with flexible payments. Have questions? Email support@atome.id. Rate us on the App Store and follow our social media!
Website: https://www.atome.id
Help Center: support@atome.id or 021-50251717
Instagram: https://www.instagram.com/atome.id
Whatsapp: https://wa.me/message/NYUXWVBBGCCYP1