Atome MY - Buy Now Pay Later
Shopping
1 Million+ installs
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- CategoryShopping
- PlatformAndroid
- DeveloperAPaylater Financial Pte Ltd
- In-app PurchasesNo
- Installs1 Million+
- Updated2026-10-22
- Size59 M
- Version2.160.0
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Editor's Review
Atome MY - Buy Now Pay Later is a shopping app from APaylater Financial Pte Ltd. Its store tagline reads: "Visa Card, Cash Loan & BNPL. Up to 12-month instalments with spending limit." With 1 Million+ installs on Google Play, it holds an average rating of 5.0 from 156.1K user ratings. The latest version (2.160.0) was released on 2026-10-22, so the app is still being actively updated. Good to know: it needs about 59 MB of storage.
How To Use?
Experience the Atome Card: Pay Later Anywhere
Flexible instalments — Up to 12 months, Shariah-compliant
Credits on approval — Apply in minutes; spending credits and virtual card ready once approved
No annual fees — A Visa Card with no hidden charges
Atome+ rewards — Earn points via in-app tasks and referral campaigns (MGM)
Google Play
Description
Shop now, pay later—anywhere Visa works.
Atome brings together the Atome Visa Card, PayLater and i-Cash in one Shariah-compliant app. Shop at 17,000+ partner brands, online or in-store, or access financing in the app.
💳 Experience the Atome Card: Pay Later Anywhere
Shop further with the Atome Card—your Visa card with spending credits once approved. Use it online, in-store, or overseas, and pay with DuitNow QR via Scan in the app.
Use your Atome Card for groceries and daily essentials at AEON or Watsons, fashion at Uniqlo, online on Lazada and Shopee, rides and food with Grab, or flights with AirAsia.
• Flexible instalments — Up to 12 months, Shariah-compliant
• Credits on approval — Apply in minutes; spending credits and virtual card ready once approved
• No annual fees — A Visa Card with no hidden charges
• Atome+ rewards — Earn points via in-app tasks and referral campaigns (MGM)
⚡Get your Atome Card
Who can apply:
• Malaysian citizen or long-term resident
• 18 years of age or older
• Active Atome account holder
How to apply:
1. Open the Atome app → Card tab → "Apply Now"
2. Submit your personal details and upload your ID
3. Once approved, use your virtual or physical Atome Visa Card. Physical card delivery may take longer due to shipping.
🛍Shop Now, Pay Later with Atome PayLater
New to Atome? Get RM35 off your first purchase!
Read more
Get what you want today at 17,000+ partner brands—online or in-store. Split purchases into 3 payments with 0% profit rate at participating merchants such as ZALORA, Sephora, Samsung, Agoda, BJAK, and Club 21. Select Atome at checkout or scan the Atome QR in-store. Manage payments anytime in the app. For a better PayLater experience, link your bank card before you shop (Me → Payment method). Most Malaysian debit and credit cards work—including Maybank, CIMB, RHB, GXBank, Ryt Bank, and Bank Islam (BIMB). Acceptance may vary. 💸 Flexible financing with Atome i-Cash Need cash financing or an alternative to bank and digital-bank financing? Atome i-Cash is an in-app financing option for eligible users. Limits and approval vary. Atome i-Cash offers fast, secure, Shariah-compliant financing under Tawarruq principles for eligible users. Access financing for travel, education, fashion, or business, subject to approval. • Financing limits — Up to RM15,000, eligibility applies • Easy application — Apply with your ID and complete the process in the app • Transparent profit rates — From 1.5% per month; no hidden charges • Fast disbursement — As little as 2 minutes after approval for eligible users • Flexible repayment — Up to 12 instalments Note: Eligibility, limits, approval time, and product availability may vary. Terms and conditions apply. How Atome Works Atome Visa Card: 1. Apply in-app (Card → Apply Now); once approved, your card is ready 2. Pay anywhere Visa is accepted—online, in-store, or overseas 3. Split eligible spending into up to 12 instalments in Bills Atome PayLater: 1. Select Atome at partner checkout 2. Confirm the purchase in the Atome app 3. Split into 3 payments; repay with your linked debit/credit card 🔐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. 🏆Referral Contest Invite friends to apply for the Atome Card—the more successful approvals, the better your chances to win an iPhone 17 Pro Max. ☎️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_BOSQcggQScreenshots
5.0
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