
<p>Is this your first time getting your own payment card as part of your #adulting life?</p>



<p>In an era where <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a> cards have been sprouting left and right, the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card is an excellent choice to start building your borrowing history and managing your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/finances/page/1">finances</a> as a self-sufficient adult.</p>



<p>That said, getting approved for your Atome Card is one thing; handling your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/bill/page/1">bill</a> is entirely different. Fortunately, this article provides the information you need to know to manage your Atome Card bill confidently. </p>



<h2 class="wp-block-heading">What You Need to Know About Your Atome Card Bill</h2>



<p>Your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card is flexible and enjoyable to use once you fully understand how it works. Here are key facts you should keep in mind to be a responsible Atome Card user.</p>



<h3 class="wp-block-heading"><strong>1. </strong>The difference between a physical and virtual Atome Card </h3>



<p>Regardless of whether you use a physical or virtual Atome Card, you&#8217;ll receive the same billing statement.  There are benefits and drawbacks to each card type; neither is best and will depend on your needs and circumstances.</p>



<p>Virtual cards, for instance, are designed exclusively for online purchases, while physical cards offer the flexibility to shop both online and in physical stores that accept Mastercards. It&#8217;s important to note that although virtual and physical cards have unique card numbers, they share the same spending limit. </p>



<p>Using both types of cards will impact your bill accordingly.</p>



<h3 class="wp-block-heading"><strong>2. How your Atome Card billing cycle works</strong></h3>



<p>Atome Card follows the standard <strong>30-day billing cycle.</strong> Transactions you make within this timeframe accumulate to determine how much you owe at the end of each cycle. </p>



<p>For example, let&#8217;s say your billing statement falls on the 1st of the month. </p>



<p>Suppose your billing statement on May 1 showed a balance of ₱1,000, then you pay it in full. If you make additional purchases totaling ₱1,500 <em>after</em> May 1, your billing statement on June 1 will reflect your new balance of ₱1,500.</p>



<p>This new balance serves as your outstanding amount after the completion of the billing cycle.</p>



<h3 class="wp-block-heading">3. Current vs. Unbilled transactions</h3>



<p>With direct correlation to your billing cycle, current <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/transactions/page/1">transactions</a> are part of your current Atome Card billing statement that you need to settle.</p>



<p>On the other hand, unbilled transactions will be included in your next billing statement. Be sure not to confuse one with the other to manage your payments accurately.</p>



<h3 class="wp-block-heading"><strong>4. Your payment due date</strong></h3>



<p>Atome has a <strong>10-calendar day grace period</strong> to settle your bill after you receive your billing statement. It&#8217;s best to check your billing statement regularly to avoid missing your repayment date. This also prevents you from incurring late payment fees. </p>



<h3 class="wp-block-heading"><strong>5. </strong>The available Atome Card bill installment plans</h3>



<p>Want to stretch your monthly budget? Our diverse installment plans are designed for you to establish and maximize a <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/budgeting/page/1">budgeting</a> system. </p>



<p>However, remember that you can <strong>choose only one <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">installment</a> plan per billing cycle</strong>. Any subsequent installments, such as the 2nd or 3rd, will be added to your next outstanding balance along with newly incurred transactions.</p>



<h2 class="wp-block-heading">Be a Responsible Atome Card User</h2>



<p>Understanding your billing cycle, statement, and payment deadlines will cultivate a <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/healthy/page/1">healthy</a> financial mindset, enabling you to achieve your goals and secure a brighter financial future.</p>



<p>Download the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a> and apply for the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a> today!</p>


<div class="wp-block-image">
<figure class="aligncenter size-full"><img loading="lazy" decoding="async" width="200" height="200" data-attachment-id="300" data-permalink="https://blog.atome.ph/shopping/leather-bag/attachment/atome-ph-qr-code-3/" data-orig-file="https://i0.wp.com/blog.atome.ph/wp-content/uploads/2022/04/atome.ph-qr-code-3-e1670420353364.png?fit=200%2C200&amp;ssl=1" data-orig-size="200,200" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="Pay in 3 or 6 months installment! Apply For Atome Card!" data-image-description="&lt;p&gt;Pay in 3 or 6 months installment!&lt;br /&gt;
Apply For Atome Card!&lt;/p&gt;
" data-image-caption="&lt;p&gt;Pay in 3 or 6 months installment!&lt;br /&gt;
Apply For Atome Card!&lt;/p&gt;
" data-medium-file="https://i0.wp.com/blog.atome.ph/wp-content/uploads/2022/04/atome.ph-qr-code-3-e1670420353364.png?fit=200%2C200&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.ph/wp-content/uploads/2022/04/atome.ph-qr-code-3-e1670420353364.png?fit=200%2C200&amp;ssl=1" src="https://i0.wp.com/blog.atome.ph/wp-content/uploads/2022/04/atome.ph-qr-code-3-e1670420353364.png?resize=200%2C200&#038;ssl=1" alt="Pay in 3 or 6 months installment! Apply For Atome Card!" class="wp-image-300" data-recalc-dims="1"/><figcaption class="wp-element-caption"><strong>Pay in 3 or 6 months <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">installment</a>!<br>Apply For <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card!</strong></figcaption></figure></div><div class="sharedaddy sd-sharing-enabled"><div class="robots-nocontent sd-block sd-social sd-social-icon-text sd-sharing"><h3 class="sd-title">Share this:</h3><div class="sd-content"><ul><li class="share-twitter"><a rel="nofollow noopener noreferrer" data-shared="sharing-twitter-1731" class="share-twitter sd-button share-icon" href="https://blog.atome.ph/advice/5-important-facts-you-need-to-know-about-your-atome-card-bill/?share=twitter" target="_blank" title="Click to share on Twitter" ><span>Twitter</span></a></li><li class="share-facebook"><a rel="nofollow noopener noreferrer" data-shared="sharing-facebook-1731" class="share-facebook sd-button share-icon" href="https://blog.atome.ph/advice/5-important-facts-you-need-to-know-about-your-atome-card-bill/?share=facebook" target="_blank" title="Click to share on Facebook" ><span>Facebook</span></a></li><li class="share-end"></li></ul></div></div></div>

5 Important Facts You Need to Know about Your Atome Card Bill


<p class="is-style-info has-foreground-color has-text-color has-background has-link-color wp-elements-b64ac0af4b9f94e7f914b2484653c731" style="background-color:#e4e4e4"><strong>Updated on</strong>: March 25, 2024</p>



<p>How often have you found yourself wanting to make a repayment but hesitating due to a lack of access to other <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a> methods? Now imagine an app that offers a solution that seamlessly integrates your repayments in a few taps.</p>



<p>Enter <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card&#8217;s new payment methods – the latest feature in Atome&#8217;s ecosystem, which makes you pay your bills conveniently like never before.</p>



<h2 class="wp-block-heading">Find out more about the different repayment options to settle your Atome Card bills.</h2>



<h3 class="wp-block-heading">1. Bank Transfer via Instapay</h3>



<p>One of the standout features of Atome Card is its new integration with InstaPay. </p>



<p>All you need to do is choose &#8220;Bank Transfer via InstaPay,&#8221; copy the 16-digit (Asia United Bank) account number, and transfer the outstanding balance using their e-wallet or mobile banking app. The best thing about it is there are no additional fees from Atome! With this, it allows you to process your dues in real time, 24/7.</p>



<h3 class="wp-block-heading">2. <strong>Over-the-Counter (OTC)</strong></h3>



<p>OTC payments provide a convenient way to make <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/transactions/page/1">transactions</a> in person, without the need for complex online or electronic processes. This benefits you if digital payment methods are inaccessible to you.  </p>



<p>Another benefit of OTC transactions is that you or somebody else, regardless of your banking status or technological access, can participate in financial transactions. </p>



<p>Like InstaPay, there are no additional charges from Atome. You can accomplish OTC payments at the following establishments: </p>



<ol>
<li>7-Eleven</li>



<li>Cebuana Lhuillier</li>



<li>Palawan Express</li>



<li>M Lhuillier</li>



<li>LBC</li>



<li>EC Pay</li>



<li>Dragon Pay</li>



<li>RD Pawnshop</li>



<li>CVM Pawnshop</li>
</ol>



<h3 class="wp-block-heading">3. Card</h3>



<p>Talk about saving more time and energy. That&#8217;s why card payments are here for such reasons. It eliminates the need to go out, open another app, or queue in lines. </p>



<p>In just a few clicks, you can link your debit or credit cards to instantly pay your bills, simplifying payment settlements. However, do take note that there is a 2.24% processing fee (including tax) upon confirmation of payments.</p>



<h2 class="wp-block-heading">Repay On Time Without Worry</h2>



<ol start="1"></ol>



<p>The advent of the Atome Card has transformed the way we make payments. By leveraging these cutting-edge payment methods, you can enhance your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/shopping/page/1">shopping</a> experience while maintaining control over your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/finances/page/1">finances</a>. Embrace the future of payments with the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card and unlock a world of possibilities of paying later anywhere.</p>



<p>Download the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a> and apply for an Atome Card today! </p>


<div class="wp-block-image">
<figure class="aligncenter size-full is-resized"><img loading="lazy" decoding="async" width="200" height="200" data-attachment-id="300" data-permalink="https://blog.atome.ph/shopping/leather-bag/attachment/atome-ph-qr-code-3/" data-orig-file="https://i0.wp.com/blog.atome.ph/wp-content/uploads/2022/04/atome.ph-qr-code-3-e1670420353364.png?fit=200%2C200&amp;ssl=1" data-orig-size="200,200" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="Pay in 3 or 6 months installment! Apply For Atome Card!" data-image-description="&lt;p&gt;Pay in 3 or 6 months installment!&lt;br /&gt;
Apply For Atome Card!&lt;/p&gt;
" data-image-caption="&lt;p&gt;Pay in 3 or 6 months installment!&lt;br /&gt;
Apply For Atome Card!&lt;/p&gt;
" data-medium-file="https://i0.wp.com/blog.atome.ph/wp-content/uploads/2022/04/atome.ph-qr-code-3-e1670420353364.png?fit=200%2C200&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.ph/wp-content/uploads/2022/04/atome.ph-qr-code-3-e1670420353364.png?fit=200%2C200&amp;ssl=1" src="https://i0.wp.com/blog.atome.ph/wp-content/uploads/2022/04/atome.ph-qr-code-3-e1670420353364.png?resize=200%2C200&#038;ssl=1" alt="Pay in 3 or 6 months installment! Apply For Atome Card!" class="wp-image-300" style="width:221px;height:221px" data-recalc-dims="1"/><figcaption class="wp-element-caption"><strong><mark style="background-color:rgba(0, 0, 0, 0);color:#cf2e2e" class="has-inline-color">Pay in 3 or 6 months <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">installment</a>!<br>Apply For <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a>!</mark></strong></figcaption></figure></div>


<h2 class="wp-block-heading"><strong>What is Atome Card?</strong></h2>



<p>The Atome Card is Southeast Asia&#8217;s leading fintech new offering in the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/philippines/page/1">Philippines</a> — a revolutionary new way to <strong><a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">pay later</a></strong> anywhere that comes with no annual fees and zero minimum income requirements. It allows you to manage your budget effectively with 3 and 6-month <strong><a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">installment</a></strong> plans at any online and in-store <strong><a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/mastercard/page/1">Mastercard</a></strong> merchants.</p>



<h3 class="wp-block-heading">Who is eligible to apply for an Atome Card?</h3>



<p>You must meet the following criteria to qualify for an Atome Card: </p>



<ol>
<li>Valid PH ID &#8211; 18 years old and above </li>



<li>No minimum income requirement </li>



<li>No paperwork is needed </li>
</ol>



<h3 class="wp-block-heading">How to apply for the Atome Card?</h3>



<p>The <a href="https://www.atome.ph/blog/atome-card-application?p=10">Atome Card application</a> process is simple. Here&#8217;s a quick rundown of the steps to follow to get your own in minutes: </p>



<ol>
<li>Download the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a> and tap the &#8216;<a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card&#8217; tab on the home page.</li>



<li>Choose your preferred Atome Card face and type.</li>



<li>Fill in your personal information and complete your ID identification in just 90 seconds.</li>



<li>Get approved for your virtual card within 1-2 days.</li>



<li>Receive your physical Atome Card via mail with a spending limit of up to ₱200,000.</li>
</ol>
<div class="sharedaddy sd-sharing-enabled"><div class="robots-nocontent sd-block sd-social sd-social-icon-text sd-sharing"><h3 class="sd-title">Share this:</h3><div class="sd-content"><ul><li class="share-twitter"><a rel="nofollow noopener noreferrer" data-shared="sharing-twitter-1708" class="share-twitter sd-button share-icon" href="https://blog.atome.ph/advice/say-hello-to-atome-cards-new-payment-methods/?share=twitter" target="_blank" title="Click to share on Twitter" ><span>Twitter</span></a></li><li class="share-facebook"><a rel="nofollow noopener noreferrer" data-shared="sharing-facebook-1708" class="share-facebook sd-button share-icon" href="https://blog.atome.ph/advice/say-hello-to-atome-cards-new-payment-methods/?share=facebook" target="_blank" title="Click to share on Facebook" ><span>Facebook</span></a></li><li class="share-end"></li></ul></div></div></div>

Say Hello to Atome Card’s New Payment Methods


<p>A fairly newer addition to the world of payment cards, Atome Card, has expeditiously gained traction since its launch in the mid of August 2022.</p>



<p>Boasting the combined efforts of Mastercard and Atome, the Atome Card is a payment card of the modern era. It aims to differ from your traditional payment cards in more ways than one, all of which will be discussed later in this Atome Card user guide!</p>


<div class="wp-block-image">
<figure class="aligncenter size-full"><img loading="lazy" decoding="async" width="200" height="200" data-attachment-id="300" data-permalink="https://blog.atome.ph/shopping/leather-bag/attachment/atome-ph-qr-code-3/" data-orig-file="https://i0.wp.com/blog.atome.ph/wp-content/uploads/2022/04/atome.ph-qr-code-3-e1670420353364.png?fit=200%2C200&amp;ssl=1" data-orig-size="200,200" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="Pay in 3 or 6 months installment! Apply For Atome Card!" data-image-description="&lt;p&gt;Pay in 3 or 6 months installment!&lt;br /&gt;
Apply For Atome Card!&lt;/p&gt;
" data-image-caption="&lt;p&gt;Pay in 3 or 6 months installment!&lt;br /&gt;
Apply For Atome Card!&lt;/p&gt;
" data-medium-file="https://i0.wp.com/blog.atome.ph/wp-content/uploads/2022/04/atome.ph-qr-code-3-e1670420353364.png?fit=200%2C200&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.ph/wp-content/uploads/2022/04/atome.ph-qr-code-3-e1670420353364.png?fit=200%2C200&amp;ssl=1" src="https://i0.wp.com/blog.atome.ph/wp-content/uploads/2022/04/atome.ph-qr-code-3-e1670420353364.png?resize=200%2C200&#038;ssl=1" alt="Pay in 3 or 6 months installment! Apply For Atome Card!" class="wp-image-300" data-recalc-dims="1"/><figcaption class="wp-element-caption"><strong>Pay in 3 or 6 months <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">installment</a>!<br>Apply For Atome Card!</strong></figcaption></figure></div>


<p>Before diving straight into the purpose of this article: how to use the Atome card, we’ll first talk a bit about this groundbreaking introduction to the line of conventional payment cards.</p>



<h2 class="wp-block-heading">What is Atome Card?</h2>



<p>Most Atome Card user guides describe the Atome Card as a brand-new payment alternative. It allows all of its users to shop from retailers that offer payments through a Mastercard. In layman&#8217;s terms, it means that the Atome Card is a one-of-a-kind <a previewlistener="true" href="https://www.atome.ph/blog/atome-card-payment" target="_blank" rel="noreferrer noopener">payment card</a>.  It has a preassigned Atome Card limit.</p>



<p><a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a> users can choose to opt for an Atome virtual card, Atome physical card, or both, for that matter! It&#8217;s imperative to mention that a single applicant may opt for both virtual and physical cards, both of which can be managed distinctly. The card numbers printed on both of these cards are different; however, the spending limit is shared.</p>



<h3 class="wp-block-heading">Atome virtual card</h3>



<p>As the name suggests, the Atome virtual card works with all &#8216;virtual&#8217; stores. This means you can use the Atome virtual card to shop from a multitude of online stores. Just need these stores to offer payments through Mastercard.</p>



<h3 class="wp-block-heading">Atome physical card</h3>



<p>In contrast to the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> virtual card, Atome physical cards allow you to shop from both online and physical stores, which gives you the option to pay for your purchases through your Mastercard.</p>



<h2 class="wp-block-heading">How to get an Atome Card?</h2>



<p>To get an Atome Card, you must meet the eligibility criteria: you must possess a valid PH ID identity, must be 18 years or older, and must have the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a> downloaded on your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/phone/page/1">phone</a>.</p>



<p>Once you meet the eligibility criteria, you can submit an Atome Card application through the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a>. The same app can even be used to track the status of your application.</p>



<p>And that&#8217;s it! After an individual applies for an Atome Card, the application can take up to 2 working days to process. If the individual is eligible for the Atome Card, they will receive a confirmatory email or SMS to proceed with the Atome Card application. It hardly takes 90 seconds to apply, thanks to Atome&#8217;s fast approval process.</p>



<h2 class="wp-block-heading">Atome Card user guide: how to use it?</h2>



<p>Now’s the time this <a href="https://www.atome.ph/atome-card" target="_blank" rel="noreferrer noopener">Atome Card user guide</a> enlightens you on using the Atome Card so that you learn <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/blog/how-to-use-atome-card-for-payments-in-the-philippines">how to use Atome Card</a> the right way!</p>



<p>Atome Card is just like any other payment card. You can use it to shop anywhere. Atome Cards can be used at all in-store and online merchants of Mastercard. Mastercard processes all electronic <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a> services and <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/transactions/page/1">transactions</a> for merchants on behalf of its financial institution members.</p>



<p>You can use your Atome virtual card or your physical card at all the stores offering Mastercard payments at their POS terminals. When presented with the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/bill/page/1">bill</a>, just give your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card to the cashier if it’s a physical store. Else, if it’s an online store, enter the details of your Atome Card after selecting Mastercard as the mode of payment.</p>



<figure class="wp-block-image size-large"><img decoding="async" data-attachment-id="628" data-permalink="https://blog.atome.ph/shopping/realme-buds/attachment/application-flow-jpy_/" data-orig-file="https://i0.wp.com/blog.atome.ph/wp-content/uploads/2022/11/application-flow.jpy_.png?fit=1760%2C794&amp;ssl=1" data-orig-size="1760,794" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="application-flow.jpy_" data-image-description="" data-image-caption="" data-medium-file="https://i0.wp.com/blog.atome.ph/wp-content/uploads/2022/11/application-flow.jpy_.png?fit=300%2C135&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.ph/wp-content/uploads/2022/11/application-flow.jpy_.png?fit=750%2C338&amp;ssl=1" src="https://i0.wp.com/blog.atome.ph/wp-content/uploads/2022/11/application-flow.jpy_.png?resize=750%2C338&#038;ssl=1" alt="How to use Atome Card with ease" class="wp-image-628" data-recalc-dims="1"/></figure>



<h2 class="wp-block-heading">Where can I use the Atome Card?</h2>



<p>With the Atome Card, users are blessed with the option to shop anywhere where Mastercard is accepted as a payment mode. For you, this means that you can shop from ALL <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/mastercard/page/1">Mastercard</a>-supported merchants using the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card for <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/shopping/page/1">shopping</a>. Users can use the Atome virtual card to shop online and the physical card to shop physically from a certain store.</p>



<p>Atome Card takes micro financing a way forward. It will help facilitate all communities with the amenity of new credit payment services with card without the usual prerequisites of using the new credit payment with card, i.e., minimum bank balance and credit score with no annual fee.</p>
<div class="sharedaddy sd-sharing-enabled"><div class="robots-nocontent sd-block sd-social sd-social-icon-text sd-sharing"><h3 class="sd-title">Share this:</h3><div class="sd-content"><ul><li class="share-twitter"><a rel="nofollow noopener noreferrer" data-shared="sharing-twitter-644" class="share-twitter sd-button share-icon" href="https://blog.atome.ph/shopping/atome-card-user-guide/?share=twitter" target="_blank" title="Click to share on Twitter" ><span>Twitter</span></a></li><li class="share-facebook"><a rel="nofollow noopener noreferrer" data-shared="sharing-facebook-644" class="share-facebook sd-button share-icon" href="https://blog.atome.ph/shopping/atome-card-user-guide/?share=facebook" target="_blank" title="Click to share on Facebook" ><span>Facebook</span></a></li><li class="share-end"></li></ul></div></div></div>

Atome Card User Guide: How to Use Atome Card with Ease


<p class="is-style-info has-foreground-color has-tertiary-background-color has-text-color has-background has-link-color has-small-font-size wp-elements-7b2d1aa11a3fcb8f87de283336411b26"><strong>Updated on</strong>: April 22, 2024</p>



<p>Financial experts are forecasting that the buy now, pay later market in the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/philippines/page/1">Philippines</a> is set to climb to <a href="https://uk.finance.yahoo.com/news/philippines-buy-now-pay-later-090700699.html?guccounter=1&amp;guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&amp;guce_referrer_sig=AQAAAMbq_tQXbBzpEojsWEgsUhTXgRtVVFnMMr9vJbUxPwlwylKcZHcTEB_hxv4iEfjmHQcGrgGDsm0xl4-2Mk7gZ2f6ZhnB489g_cV2td4IaWMJTd1DjmD6UPNxw8DTUuyIjYZjgTTyQ5oCOAGRjmg6x_fMxsL0dhrfrNHOitJOOVqe">$3.87 billion by 2029</a>. What does that mean for you and your fellow shoppers? </p>



<p>For one, it solidifies that buy now, pay later is here to stay. For another, it means that the industry is set to grow dramatically. If you’ve seen buy now, pay later more often, it’s the best time to learn more about it to take advantage of this financial instrument.&nbsp;</p>



<p>Whether you’re new to the concept of buy now, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">pay later</a>, or just need a refresher, this article is for you. You won&#8217;t only learn the basics of this increasingly popular concept, but also <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/discover/page/1">discover</a> what makes <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a>, a leading buy now, pay later service in Southeast Asia with its Atome Card, such an effective brand.</p>



<h2 class="wp-block-heading"><strong>What is Buy Now, Pay Later?</strong></h2>



<p>Buy now, pay later allows you to spend for something, whether it’s the latest <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/fashion/page/1">fashion</a> trend or an everyday expense, and repay it in small installments over time.&nbsp;</p>



<h3 class="wp-block-heading"><strong>The benefits of buy now, pay later apps</strong></h3>



<p>Imagine that you have a pair of shoes that you wear often to work. You’re constantly using them to walk from the office to the station as part of your commute to and from the office. But suppose one day they break because of the heavy wear; the sole begins to flap and make your shoe look like a nasty alligator.&nbsp;</p>



<p>With payday still being a few days away, how can you pay for repairs or new shoes so suddenly? This is where buy now, pay later services can be a lifesaver. It empowers you with the finances you need when you need them to live comfortably.</p>



<h2 class="wp-block-heading"><strong>What is Atome?</strong></h2>



<p>Atome is a leader in buy now, pay later services in Southeast Asia. With the <a href="https://www.atome.ph/atome-card">Atome Card</a>, you can split your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/bill/page/1">bill</a> into 3 or 6-month easy installments. This feature reduces the hassle of lacking <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/finances/page/1">finances</a> while also making it easier to make repayments a breeze.&nbsp;</p>



<h2 class="wp-block-heading"><strong>How Pay Later Anywhere Works for Atome Card&nbsp;</strong></h2>



<p>Atome Card has the advantage of giving you a spending limit that you can use for online, offline, and overseas purchases. Its pay later anywhere feature is excellent for turning intimidating repayments into manageable installments.&nbsp;</p>



<p>Here’s how <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">pay later anywhere</a> works for <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a>:&nbsp;</p>



<h3 class="wp-block-heading"><strong>Sign up</strong></h3>



<p>You can’t enjoy Atome Card’s pay later anywhere feature without first going through the <a href="https://www.atome.ph/blog/atome-card-application?p=10">Atome Card application</a> process. Fortunately, it won’t take much of your time; you can expect to finish your application in just about 90 seconds!&nbsp;</p>



<h3 class="wp-block-heading"><strong>Receive your card</strong></h3>



<p>A virtual Atome Card becomes immediately accessible to you once you’ve signed up and gotten approved for your account. You also have the option to receive your physical card completely for free.&nbsp;</p>



<h3 class="wp-block-heading"><strong>Shop wherever you want</strong></h3>



<p>Why get a physical Atome Card? It allows you to take full advantage of the different ways to <a href="https://www.atome.ph/blog/how-to-use-atome-card-for-payments-in-the-philippines">make payments with your Atome Card</a>, such as tap-to-pay or buying items in-store. This isn’t to say that you should favor the physical card over your virtual one; each has its strengths.&nbsp;</p>



<p>The virtual card, for instance, is ideal for your online <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/shopping/page/1">shopping</a> needs. Since it has entirely different details from your physical card, you can rest assured that your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> account has an added layer of protection against potential scammers and hackers.&nbsp;</p>



<h3 class="wp-block-heading"><strong>Receive your bill&nbsp;</strong></h3>



<p>Every purchase you make—whether it’s online, offline, or overseas—will get added to your Atome Card bill. This is where the “pay later” portion of <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">buy now</a>, pay later begins to take effect.&nbsp;</p>



<p>It’s important to note when your <a href="https://www.atome.ph/blog/5-important-facts-you-need-to-know-about-your-atome-card-bill?p=2#:~:text=2.%20How%20your%20Atome%20Card%20billing%20cycle%20works">Atome Card billing cycle</a> takes place to avoid missing your due dates.&nbsp;</p>



<h3 class="wp-block-heading"><strong>Pay in 3 or 6-month installments</strong></h3>



<p>While other types of cards may require you to make a specific payment or pay it in full during the billing period, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card has a unique approach.&nbsp;</p>



<p>Instead of these conventional repayment methods, you have the choice to split your bill payments into 3 or 6-month installments.&nbsp;</p>



<p>This freedom to choose allows you to be more financially flexible with your repayments. If you want your repayment terms to be more manageable, you can take the initiative to choose a 6-month <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">installment</a> plan for a smaller required <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a>. But if it’s within your budget, you can always choose the 3-month or pay-in-full option in the app.</p>



<h2 class="wp-block-heading"><strong>No More Waiting to Get What You Want</strong></h2>



<p>Buy now, pay later revolutionizes how you think about your spending capabilities.</p>



<p>Atome’s buy now, pay later option through the Atome Card allows you to split your card bill into 3 or 6 monthly installments. This makes expenses that seem out of reach for you far more manageable. It’s no wonder why the market is set for outstanding growth in the coming years.</p>
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What is Buy Now, Pay Later with Atome Card? 


<p class="is-style-info has-foreground-color has-text-color has-background has-link-color wp-elements-5e9f8b9263d734f4a0fb6a3e32287f5b" style="background-color:#e7e7e7"><strong>Updated on</strong>: March 1, 2024</p>



<p>Since Atome Card’s release date in 2022, interest in the card has grown significantly. Atome is quickly becoming a go-to <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">buy now pay later</a> installment card solution for Filipinos nationwide. It’s excellent for your <a href="https://www.atome.ph/blog/top-benefits-of-utilizing-atome-card-for-your-everyday-expenses?p=1">everyday expenses</a>, taking advantage of the latest <a href="https://www.atome.ph/blog/slay-2024-on-a-budget-fashion-hacks-with-atome-card">fashion hacks</a> or enjoying <a href="https://www.atome.ph/blog/atome-card-your-ticket-to-world-class-entertainment">world-class entertainment</a>.</p>



<p>If you’re interested in finally having your own Atome Card this year, keep reading. This is the definitive guide on how to apply for your Atome Card.&nbsp;</p>



<p>Before getting into the details of submitting your Atome Card application, it helps to understand the background of the Atome and learn a brief overview of its key features.</p>



<h2 class="wp-block-heading">What is Atome Card?</h2>



<p>Atome Card is a brand-new payment option that allows its users &amp; customers to purchase goods or services from any online or offline store where Mastercard is an accepted mode of <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">payment</a>. <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Cardholders also have the option to use the Atome virtual card to shop from online stores.</p>



<h2 class="wp-block-heading"><strong>How to Apply for Atome Card</strong></h2>



<p>One of the benefits of Atome Card is that securing your own doesn’t require you to go through tons of paperwork to apply.</p>



<p>You can apply for your Atome Card through the Atome app anywhere you have a secure internet connection. Follow the steps below to send your Atome Card application within 90 seconds.</p>



<p class="has-text-align-center"><strong>Pay in 3 or 6 months <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">installment</a>!</strong></p>


<div class="wp-block-image">
<figure class="aligncenter size-full is-resized"><img loading="lazy" decoding="async" width="200" height="200" data-attachment-id="300" data-permalink="https://blog.atome.ph/shopping/leather-bag/attachment/atome-ph-qr-code-3/" data-orig-file="https://i0.wp.com/blog.atome.ph/wp-content/uploads/2022/04/atome.ph-qr-code-3-e1670420353364.png?fit=200%2C200&amp;ssl=1" data-orig-size="200,200" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="Pay in 3 or 6 months installment! Apply For Atome Card!" data-image-description="&lt;p&gt;Pay in 3 or 6 months installment!&lt;br /&gt;
Apply For Atome Card!&lt;/p&gt;
" data-image-caption="&lt;p&gt;Pay in 3 or 6 months installment!&lt;br /&gt;
Apply For Atome Card!&lt;/p&gt;
" data-medium-file="https://i0.wp.com/blog.atome.ph/wp-content/uploads/2022/04/atome.ph-qr-code-3-e1670420353364.png?fit=200%2C200&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.ph/wp-content/uploads/2022/04/atome.ph-qr-code-3-e1670420353364.png?fit=200%2C200&amp;ssl=1" src="https://i0.wp.com/blog.atome.ph/wp-content/uploads/2022/04/atome.ph-qr-code-3-e1670420353364.png?resize=200%2C200&#038;ssl=1" alt="Pay in 3 or 6 months installment! Apply For Atome Card!" class="wp-image-300" style="width:294px;height:auto" data-recalc-dims="1"/><figcaption class="wp-element-caption"><strong>Pay in 3 or 6 months <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">installment</a>!<br>Apply For Atome Card!</strong></figcaption></figure></div>


<ol>
<li>Download the latest version of the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a> by scanning the QR code, or visiting the App Store or Play Store.</li>



<li>Tap on Atome Card.</li>



<li>Choose the Atome Card design and type you prefer. The virtual card will be available immediately once your account is approved; you can decide to order your physical card after if you want.&nbsp;</li>



<li>Fill out the details on your personal information, such as your full name, company, mother’s maiden name, and home and shipping address.</li>



<li>Go through the Face ID verification using your smartphone’s selfie camera. Remember to remove your glasses, hat, or anything blocking your face to improve your chances of approval.&nbsp;</li>



<li>Wait 3 business days for your application to be approved. You can expect to receive an email or in-app notification once your application is approved.</li>
</ol>



<h2 class="wp-block-heading">3 <strong>Frequently Asked Questions about Atome Card</strong></h2>



<p><a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/finances/page/1">Finances</a> are highly personal and there’s nothing wrong with asking clarifying questions. Below are answers to some of the most commonly asked questions about Atome Card.</p>



<h3 class="wp-block-heading">1. <strong>What is the Atome Card spending limit?</strong></h3>



<p>The Atome Card limit is set when your card is approved. Your spending limit can increase in certain circumstances, such as paying your Atome Card bills on time. The spending limit can reach up to ₱200,000.&nbsp;&nbsp;</p>



<p>A higher Atome Card spending limit translates to greater spending power, providing you access to products and services that would have otherwise been out of reach.</p>



<h3 class="wp-block-heading">2. <strong>What are the requirements for Atome Card?</strong></h3>



<p>You must meet the criteria and provide the documentary requirements below to apply for your <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> Card:</p>



<ol>
<li>You must have any of the following valid Philippine IDs:
<ol>
<li>National ID</li>



<li>Social Security System (SSS)</li>



<li>Unified Multi-purpose ID (UMID)</li>



<li>Driver&#8217;s License</li>



<li>Passport</li>
</ol>
</li>



<li>You must be 18 years old or above</li>



<li>You have the Atome app on your smartphone</li>
</ol>



<p>To check the status of your application, you will need to tap on the Card Page in the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/get-the-app">Atome app</a>. Additionally, you can expect to receive an SMS or email when your Atome Card application has been accepted.</p>



<h3 class="wp-block-heading">3. <strong>What’s the difference between a physical and virtual Atome card?</strong></h3>



<p>While there’s no substantial difference between a physical and virtual Atome Card, there are certain unique perks and features each offers:&nbsp;</p>



<h4 class="wp-block-heading">Atome Virtual Card</h4>



<p>Your virtual Atome Card will be available as soon as your application process is approved. You can use it to begin making online payments anywhere that accepts Mastercard.</p>



<h4 class="wp-block-heading">Atome Physical Card</h4>



<p>To unlock even more convenience, you can apply for a physical Atome Card. Once you receive it, you’ll need to activate it and nominate your 4-digit PIN for your new physical <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/atome-card/page/1">Atome Card</a>. You can begin using your physical card to pay online and offline merchants that accept <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/resource/mastercard/page/1">Mastercard</a>.&nbsp;</p>



<h2 class="wp-block-heading"><strong>Start Enjoying the Perks of Atome Card Today</strong></h2>



<p>Your Atome Card unlocks numerous spending opportunities that allow you to shop anywhere with ease. Its flexible payments and zero interest for 40 days mean that your greatest aspirations are now well within your reach.&nbsp;</p>



<p>Scan the QR code to download the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.ph/">Atome</a> app on your smartphone and get started on your Atome Card application today!</p>
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