Atome MY - Buy Now Pay Later

12-Month Instalments, No Annual Fees Card & Instant Cash App

🏆Referral Contest: Invite friends to apply for the Atome Card and win an iPhone 17 Pro Max!🏆
Pay anywhere with Atome Visa Card!
Shop, pay, and manage money your way with the ultimate Visa Card and BNPL app. Use your Atome Card anywhere Visa is accepted worldwide—online, in-store, or overseas. Split purchases into 3 easy payments at 0% interest with Atome PayLater, or enjoy flexible up to 12-month instalments. Fast, secure, and Shariah-compliant.
🎁 New to Atome? Get RM35 off your first purchase!

💳 Experience the Atome Card: Pay Later Anywhere
Take your shopping further with the Atome Card. Enjoy the freedom to pay later anywhere Visa works, from daily essentials to global travel. Use it online, in-store (including selected TikTok Shop stores), or overseas with instant digital approval.
- Flexible instalments — Up to 12 months, fully Shariah-compliant.
- Instant Digital Approval — Apply in minutes; no paperwork, no minimum income.
- Zero Annual Fees — A Visa Card with no hidden charges
- Earn Rewards — Collect Atome+ points on every card transaction.

🏆Win an iPhone 17 Pro Max!
Love the Atome Card? Share it with your friends and win big!
- Refer & Win: Invite friends to apply for their Atome Card.
- More Referrals, Bigger Rewards — The more successful approvals, the better your chances
- Grand Prize: Stand a chance to win the iPhone 17 Pro Max!

⚡Get your Atome Card
Requirements:
- Malaysian citizen or long-term resident
- 18 years of age or older
- Active Atome account holder
👀How to apply:
1. Open Atome app → Card tab → "Apply Now"
2. Submit personal details and upload your ID
3. You're all set! Pay later anywhere with your virtual/physical Atome Visa cards. (The physical card may take longer due to shipping issues.)

🛍 Shop Now, Pay Later with Atome PayLater
Enjoy daily vouchers, exclusive deals, and monthly giveaways at 17,000+ beloved Malaysian and international brands. Split your purchases into 3 easy payments across fashion, beauty, tech, and lifestyle from top brands including ZALORA, Sephora, Samsung, Agoda, BJAK, and Watsons.

💸 Access flexible financing with Atome i-Cash
Atome i-Cash offers fast, secure, Shariah-compliant financing under Tawarruq principles. Access up to RM15,000 for travel, education, fashion, or business — quick, transparent, and stress-free.
- High financing limits — Get up to RM15,000 for personal or lifestyle needs.
- Easy application — Apply anytime with just your ID; instant digital approval.
- Transparent fees — Clear profit rates starting from 1.5% per month, no hidden charges or surprises.
- Fast disbursement — Get funds in as little as 2 minutes after approval, straight to your account.
- Flexible repayment — Repay up to 12 instalments for better cash flow management.
Note: Eligibility, limits, and approval time may vary. Terms and conditions apply.

🧾 How Atome Works:
- Shop Everywhere: Accepted at 17,000+ brands and everywhere Visa is accepted.
- Easy Checkout: Use your Atome Card or select Atome as your payment method.
- Instant Approval: Get approved in seconds through the app.
- Flexible Payments: Split your purchase into 3 or up to 12 payments.

🔐 Safe & Secure
Atome is licensed and regulated in Malaysia, powered by bank-level encryption and Visa Secure protection. Your personal data, card details, and transactions are safeguarded at every step.

📲 Download Atome today
Shop smarter, split payments, and pay anywhere with your Atome Card or flexible financing. Start shopping today with global Visa card access and instant financing.

☎️ Contact Us
Email support@atome.my.
🌐 Website
📱Facebook:https://www.facebook.com/atomemalaysia
Instagram:https://www.instagram.com/atome.my
LinkedIn:https://www.linkedin.com/company/atomesg
YouTube:https://www.youtube.com/channel/UCgRFa6jWxTMTja_BOSQcggQ