▶Pertandingan Rujukan: Jemput rakan memohon Kad Atome & menang iPhone 17 Pro Max!◀
Bayar di mana-mana sahaja dengan Atome Card Visa! Urus wang anda mengikut cara anda dengan aplikasi Kad Visa dan BNPL. Gunakan Atome Card anda di mana-mana sahaja Visa diterima di seluruh dunia—secara dalam talian, di kedai, atau di luar negara. Pecahkan pembelian kepada 3 bayaran mudah dengan 0% faedah melalui Atome PayLater, atau nikmati ansuran fleksibel sehingga 12 bulan. Pantas, selamat, dan patuh Syariah.
▶Baru di Atome? Nikmati potongan RM35 untuk pembelian pertama anda!◀
【Nikmati Atome Card: Bayar Kemudian Di Mana Jua】
Pengalaman beli-belah lebih mudah dengan Atome Card. Nikmati kebebasan bayar kemudian di mana-mana Visa diterima, daripada keperluan harian sehinggalah percutian luar negara. Gunakan secara dalam talian, di kedai (termasuk kedai TikTok Shop terpilih), atau di luar negara dengan kelulusan digital segera.
- Ansuran Fleksibel — Sehingga 12 bulan, patuh Syariah sepenuhnya.
- Kelulusan Digital Segera — Mohon dalam beberapa minit; tanpa dokumen fizikal, tanpa had pendapatan minimum.
- Tanpa Yuran Tahunan — Kad Visa tanpa sebarang caj tersembunyi.
- Ganjaran Mata — Kumpul mata Atome+ bagi setiap transaksi kad.
【Menangi iPhone 17 Pro Max！】
Suka menggunakan Atome Card? Kongsi dengan rakan anda dan menang besar!
- Rujuk & Menang: Jemput rakan untuk memohon Atome Card mereka.
- Lebih Ramai, Lebih Untung: Lebih banyak permohonan berjaya, lebih besar hadiah anda.
- Hadiah Utama: Peluang memenangi iPhone 17 Pro Max!
【Dapatkan Atome Card Anda】
Syarat Kelayakan:
- Warganegara Malaysia atau pemastautin tetap
- Berumur 18 tahun ke atas
- Pemegang akaun Atome yang aktif
【Cara Memohon:】
1. Buka aplikasi Atome → Tab “Card” → "Apply Now"
2. Hantar butiran peribadi dan muat naik ID anda
3. Selesai! Bayar di mana-mana sahaja dengan Kad Atome Visa maya/fizikal anda. (Kad fizikal mungkin mengambil masa lebih lama disebabkan isu penghantaran.)
【Beli Sekarang, Bayar Kemudian dengan Atome PayLater】
Nikmati baucar harian, tawaran eksklusif, dan cabutan bertuah bulanan di 17,000+ jenama kegemaran di Malaysia dan antarabangsa. Pecahkan pembelian anda kepada 3 bayaran mudah untuk fesyen, kecantikan, teknologi, pelancongan, insurans & gaya hidup daripada jenama teratas termasuk ZALORA, Sephora, Samsung, Agoda, BJAK, dan Watsons.
【Akses Pembiayaan Fleksibel dengan Atome i-Cash】
Atome i-Cash menawarkan pembiayaan yang pantas, selamat dan patuh Syariah di bawah prinsip Tawarruq. Akses sehingga RM15,000 untuk pelancongan, pendidikan, fesyen atau perniagaan.
- Had Pembiayaan Tinggi — Sehingga RM15,000 untuk keperluan peribadi atau gaya hidup.
- Permohonan Mudah — Mohon bila-bila masa dengan ID sahaja; kelulusan digital segera.
- Yuran Telus — Kadar keuntungan dari 1.5% sebulan, tiada caj tersembunyi.
- Penyaluran Pantas — Dana dikreditkan seawal 2 minit selepas kelulusan terus ke akaun anda.
- Bayaran Balik Fleksibel — Sehingga 12 bulan ansuran untuk pengurusan aliran tunai yang lebih baik. Nota: Kelayakan, had, dan masa kelulusan mungkin berbeza. Terma dan syarat ditetapkan.
【Cara Atome Berfungsi:】
- Beli-Belah di mana saja: Diterima di 17,000+ jenama dan di mana-mana Visa diterima.
- Checkout Mudah: Gunakan Atome Card anda atau pilih Atome sebagai kaedah pembayaran.
- Kelulusan Segera: Diluluskan dalam beberapa saat melalui aplikasi.
- Bayaran Fleksibel: Bahagikan pembelian anda kepada 3 atau sehingga 12 bayaran.
【Selamat & Terjamin】
Atome dilesenkan dan dikawal selia di Malaysia, dikuasakan oleh penyulitan tahap bank dan perlindungan Visa Secure. Data peribadi, maklumat kad dan butiran transaksi anda dilindungi di setiap langkah.
【Hubungi Kami】
Email support@atome.my.
Website: https://www.atome.my/
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
I was introduced to this app one day by a merchant after their terminal had network issue. I was sceptical at first, but after I downloaded it & saw how cheap things became without any catch, I ended purchasing more stuff (and it still didn’t break my bank) that day & I never look back. Since that fateful day, shopping has turned into something Strategic for me. Everytime I passed through any shops at any mall, I’d be looking over at their counter to see any sign of Atome. No Atome, no deal. THAT’S how much Atome has changed my shopping habit. I just wish they could be placed in many more physical shops at the mall. I’m even thinking to buy Samsung & iPhone & converted it. But sadly some Samsung flagship merchant didn’t know how to use this Atome. They just had to loose their business that day and I went to other store at a different mall. Please educate your merchant too, I was disappointed at one of them.
Respons Pembangun
Thanks for the 5-stars rating and we also would like to thank you for using our online payment platform. Could please contact our customer care at support@atome.my for us to investigate further on this matter? :)
Scam to pay extra money 👀
flaminqtaurus
My due date payment is unable to pay and cotact support email. The solution support given me was changed to another card. I already tried add using another card but failed. After due date i have to pay the administrative or paynalty, then i try again using then suddenly can pay???? What is that Is this a scam ? I never encountered this problem before. So basically i have to wait after the due date and have to penalty payment then i can pay ? Useless support ask me to contact the bank when i already use two bank card but still failed and pretty much wasting time also got to pay extra. Please improve your app and support quality 😂
Respons Pembangun
Dear user, we are sorry for bringing any inconvenience and unpleasant experience to you. We understand your concern; we are always happy to waive or refund the admin fees. Could you please contact us at support@atome.my for us to investigate on this matter? Our team will reach out to you soon! Thank you and stay safe.
Just bad customer service so far
Nexxyyy3
Hi im writing this review because i was so interested in using the pay in 3 months only to be spammed with wait 90 days, and personally i thought it was a bug but it turns out its just a credit limit for new accounts, hut so far I’m already on my fourth month of atome, but if i wanted to make a big purchase even with the money available i simply just get the same error message. I contacted support to ask and they just told me to wait 90 days and i asked more questions like whats my credit limit and if my account is eligible but after the first two emails i just get completely ignored and its been a week or two since I’ve sent my emails but theres no response. Nothing to let me know how much I’m limited to, nothing to let me know how long I’m supposed to wait other than 90 days, but from when? Does it reset the timer every time i press the payment button? Customer support doesn’t even give me any direct answers. So this is just frustrating.
Respons Pembangun
We want you to know that your feedback will give us a chance to resolve any problem that may occur and assist us in making our service better. Let us know by reaching out to support@atome.my :) - Saputra
Exorbitant charges
Chace91
I’ve been using this app for quite some time now spending over 3k consistenly paid. However since this weekend I was out of town, I forgot to set my default payment to my preferred card. I was only given 1 notice today saying that my account has been blocked and I need to pay RM50 admin fee to unlock my account (this is a final payment for the order I made). Where’s the other notification? I should be notified through registered email too not only through texts. It says there I need to settle payment within 3 days or else there’s the admin fee but on the 3rd day itself I was charged and my account was locked. The charges levied not in 3 days but 2 days time. Nevermind that but the fee is very expensive compared to other financial institution’s interest. Misleading T&C, exorbitant charges and to think I’ve been a long time customer. Never again. Will pay all and will uninstall, review stars remain 1 (if I could give them 0, I would) as I do not see why they should be given more.
Respons Pembangun
Dear Chace, we are sorry for bringing any inconvenience and unpleasant experience to you. We totally understand your concern. Nevertheless, we updated our admin fee t&c recently. Please check our website for more details; https://www.atome.my/terms-of-service. Hope you received messages reminders and payment status via SMS for your payments as sending via email, it could end up in the Junk/Spam, and hence, why we don't send via email. Upon checking under your ticket, your admin fee has been waived by the repayment team. We are always happy to waive or refund the admin fees. Feel free to email us anytime for further assistance. Thank you and stay safe.
Naik taraf Atome Card: Ansuran 12 Bulan Kini Tersedia! Nikmati lebih fleksibiliti dan bayar di mana-mana sahaja yang menerima Visa.
- Bayaran Fleksibel: Pecahkan bil anda kepada ansuran bulanan sehingga 12 bulan.
- Tanpa Yuran Tahunan: Nikmati kelebihan kad kredit tanpa kos tambahan.
- Kelulusan Segera: Mohon dalam beberapa minit dan dapatkan kad virtual anda sekarang.
Kemas kini dan dapatkan Kad Atome anda sekarang! Suka menggunakan Atome? Berikan kami penilaian dan tunjukkan sokongan anda!
Versi 2.144.0
Pembangun, APayLater Financials Pte Ltd, menunjukkan bahawa amalan privasi app mungkin termasuk pengendalian data seperti yang diterangkan di bawah. Untuk mendapatkan maklumat lanjut, lihat dasar privasi pembangun .
Data Digunakan untuk Menjejak Aktiviti Anda
Data berikut mungkin digunakan untuk menjejak aktiviti anda merentas app dan laman web yang dimiliki oleh syarikat lain:
Maklumat Hubungan
Pengecam
Data Dipautkan kepada Anda
Data berikut mungkin dikumpul dan dipautkan ke identiti anda:
Maklumat Hubungan
Pengecam
Data Penggunaan
Data Tidak Dipautkan kepada Anda
Data berikut mungkin dikumpul tetapi tidak dipautkan ke identiti anda:
Diagnostik
Amalan privasi mungkin berbeza, contohnya, berdasarkan ciri yang anda gunakan atau umur anda. Ketahui Lebih Lanjut
Kebolehcapaian
Pembangun masih belum menyatakan ciri kebolehcapaian yang disokong oleh app ini. Ketahui Lebih Lanjut
Maklumat
Pembekal
APayLater Financials Pte Ltd
Saiz
189 MB
Kategori
Membeli-belah
Keserasian
Memerlukan iOS 14.0 atau terkini.
iPhone Memerlukan iOS 14.0 atau terkini.
iPod touch Memerlukan iOS 14.0 atau terkini.
Mac Memerlukan macOS 11.0 atau terkini dan Mac dengan cip Apple M1 atau terkini.
Apple Vision Memerlukan visionOS 1.0 atau terkini.
Bahasa
Bahasa Melayu dan 6 lagi
Bahasa Melayu, Bahasa Indonesia, Cina Tradisional, Inggeris, Jepun, Thai, Vietnam
