Atome Card PH: A Complete Guide for Filipino Shoppers [2025 UPDATED]

The Atome Card PH is a Mastercard-powered payment card designed for Filipino users who want the flexibility of buy now, pay later without being limited to specific merchant checkouts. Unlike standard Atome Buy Now Pay Later transactions, where installment payments are only available at partner stores, the Atome Card functions as both a virtual and physical payment card. This allows users to make purchases at websites and select in-store locations that accept Mastercard.

Because the Atome Card functions like a regular payment card, it is beneficial for Filipinos who shop on platforms that do not support Atome BNPL at checkout, pay for online subscriptions, or want a single payment method that can be used across different merchants. Instead of applying for a traditional credit card, eligible users can use the Atome Card to access installment-style payments while managing spending directly through the Atome app.

In the Philippines, the Atome Card operates as an extension of your Atome account. All card transactions appear in one place, making it easier to track purchases, spending limits, and payment due dates. This guide focuses specifically on how the Atome Card works in the Philippine market, including how to activate it, where it can be used, applicable fees, spending limits, and security features. This will help you decide whether the Atome Card fits your shopping habits and financial needs.

Key Features of the Atome Card PH

Secure and Regulated: Atome Philippines is licensed by the Securities and Exchange Commission and its card is issued in partnership with Asia United Bank. Atome also insures customer deposits in its savings accounts with the Philippine Deposit Insurance Corporation (PDIC) up to ₱1,000,000, underscoring that it operates under local banking regulations. For online transactions, you’ll receive OTP (one-time password) verifications when required, just like with regular credit cards.

Virtual and Physical Card: Once approved, you get an instant virtual Atome Card in the app (useful for online shopping), and you can order a free physical card mailed to you. Both draw on the same credit limit.

Interest-Free Period: Any purchase can be paid in full within 40 days from the transaction date with 0% interest or fees. If you choose to convert your bill to installments, Atome applies a transparent financing charge (similar to credit card interest) for 3 or 6-month plans.

Mastercard Acceptance: The Atome Card works on the Mastercard network. You can tap or swipe it at payment terminals and use it on any website or app that accepts Mastercard. This means you can shop at local malls, supermarkets, petrol stations, restaurants, and international retailers wherever Mastercard is supported.

Flexible Repayments: The Atome app shows all your purchases in one place. You simply review your bill each month and pay by the due date. You can pay the full balance interest-free, or opt to split it. Atome also allows partial payments, though paying in full avoids extra charges.

No Hidden Fees: Atome Card has no annual fee or membership cost. If you pay your full statement on time each month, you pay nothing extra. Late payments incur a 5% penalty fee on the outstanding balance. For installment plans, the applicable financing fee is disclosed upfront in the app. Using the card abroad or in foreign currency adds a standard foreign transaction fee (3.10% of the amount).

Credit and Spending Management: Since the Atome Card is a BNPL product, there’s no hard credit inquiry, no minimum income check, and it does not report to credit bureaus. This can make it easier to qualify, but also means on-time payments won’t build credit history. Your spending limit is reviewed periodically; good repayment behavior may lead to limit increases over time.

Applying for Your Atome Card PH

Applying for the Atome Card is quick and fully digital:

• Download the Atome App: Get the Atome app from the Apple App Store or Google Play Store and register an account.
• Submit Your Details: Provide basic personal information and one valid Philippine government ID (SSS, UMID, Driver’s License, passport, etc.).
• No Minimum Income Needed: Unlike banks, Atome does not require proof of income or employment. Eligibility is simply being 18 years or older with a valid ID.
• Approval and Card Issuance: In most cases, the Atome app approves your application within minutes (sometimes up to a couple of days). Once approved, you immediately receive a virtual Atome Card in the app. You can then request a physical card (free of charge) to be delivered to your mailing address.
• Initial Credit Limit: After approval, your Atome Card gets a set credit limit (often ₱10,000–₱200,000). This depends on Atome’s risk assessment. You can check and manage this limit anytime in the app.

In the Philippines (PH), Atome is offered by Neuroncredit Financing Co. (Atome PH) and is fully licensed locally. It’s regulated by the Philippine Securities and Exchange Commission, and the card is backed by Asia United Bank.

That means Atome Card users in the Philippines are dealing with a legitimate, local financial service. The Atome Card works on the Mastercard network, so you can use it wherever Mastercard is accepted here and abroad.

Atome Card PH also integrates with local payment channels: you can pay your Atome bill via Instapay or GCash (as a biller) and use OTC locations popular in the Philippines (like 7-Eleven, M Lhuillier, etc.)

Activating and Using the Atome Card

• Activate the Physical Card: When your physical Atome Card arrives (usually within about a week or two), open the Atome app, go to the card section, and enter the last four digits of your new card. You’ll also set a 4-digit PIN at this time.
• Virtual Card: Your virtual card is ready to use immediately after approval—no activation needed. It can be used for any online or app purchase where Mastercard is accepted.
• In-Store Payments: To pay in a shop or restaurant, simply present your physical Atome Card at checkout. You can tap for contactless payment or insert the card into the terminal. If inserting, choose “Savings” and enter the PIN you set. The cashier will process the transaction just like a credit/debit card.
• Online/Remote Payments: When shopping online or via phone, select the credit card payment option and enter the 16-digit card number, expiration date, and CVV for either your physical or virtual card (your app shows both sets of details). You may also need to enter an OTP sent to your phone to complete the purchase.
• Where It Works: The Atome Card is accepted at all Mastercard merchants worldwide. Locally, this includes most malls, restaurants, groceries, service centers, and e-commerce sites (e.g., Lazada, Shopee, Zalora, etc.). Abroad, you can also use it as long as Mastercard is accepted, though remember the foreign transaction fee.
• Usage Limits: You cannot withdraw cash from an ATM with the Atome Card—it’s strictly for purchases. The app will block any ATM attempt, and money from the Atome Card can’t be transferred to other accounts (except paying your own bill or putting money into Atome Savings). Always remember your PIN for chip transactions, but contactless taps won’t need a PIN under a certain amount.

Paying Your Atome Card Bill

Atome issues a monthly statement for all your card transactions. To avoid fees, pay the full balance by the due date each month. Here are the main payment options:

• InstaPay Bank Transfer: Use your bank’s InstaPay feature (24/7) to send the exact amount to the Atome account number shown in your app. Instapay is usually instant, and Atome does not charge a fee for it (though your bank might have a small InstaPay fee).
• Over-the-Counter (OTC) Cash: Visit partner outlets (like 7-Eleven, MLhuillier, Cebuana Lhuillier, Palawan Express, LBC) and tell the cashier you want to pay an Atome bill. Provide the reference number from your app and pay the amount in cash.
• Debit/Credit Card: Add your own bank cards in the Atome app to pay instantly. This convenience incurs a small processing fee (about 2.24% of the payment, including taxes). It’s useful for quick payment if you don’t mind the fee.
• E-wallet/Biller: Add Atome as a biller in e-wallet apps like GCash or PayMaya. You can then pay your Atome bill directly through the e-wallet (note: e-wallets may charge a minor fee for big amounts).
• Atome Savings: If you have an Atome Savings account with available balance, you can set it to auto-pay your card bill without extra fees (since it’s just deducting from your own balance).

In the Atome app, go to Bills each month to view your statement and choose how to pay. Always ensure the payment clears by the due date. If you pay late, Atome will charge your linked repayment card or savings balance automatically on the cut-off date and apply a late fee (5% of the overdue amount).

Fees, Rates, and Limits

• Interest-Free Window: Pay your total bill within 40 days, and you pay no interest or fees.
• Installment Plans: If you choose 3- or 6-month installments, Atome charges a financing fee disclosed upfront (usually a percentage of the bill, similar to credit card interest). This fee is converted into a fixed installment and will be part of your monthly payments.
• Late Payment Fee: Missing the due date incurs a 5% penalty on the unpaid balance (per billing cycle).
• Foreign Transaction Fee: When you spend in another currency or use the card abroad, a 3.10% fee applies to each foreign purchase (this covers currency conversion and cross-border processing).
• Replacement Card Fee: Your first physical Atome Card is free. If you lose or damage it and order a replacement, there is a one-time fee (typically ₱400) added to your bill.
• Spending Limit: Your credit limit can go up to ₱200,000 based on your profile. You can view or adjust your limit in the app. Spending beyond the limit will be declined, so manage your balance and payments to keep your limit available.
• No Annual Fee: There are no recurring membership or annual fees for holding the Atome Card. Only the above occasional fees may apply.

Is the Atome Card Legit and Secure?

Yes. Atome Philippines is a licensed financial service provider under the Securities and Exchange Commission (SEC Reg. No. CS201816338) and operates under Philippine law. The Atome Card is issued through Asia United Bank, a reputable local bank, which ensures your transactions are processed through secure, regulated banking channels. As part of a regulated entity, Atome maintains user data privacy and financial security standards.

The card’s digital nature also includes safety features: your card number and CVV are kept secure in the app, and each online payment requires an OTP sent to your registered mobile number for added verification. If your card is lost or stolen, you can lock or unlock the card instantly in the app to prevent unauthorized use. Atome provides an official customer hotline (+63 2 8236 1011) and in-app chat support for any concerns.

Compared to a regular credit card, the Atome Card may feel safer if you struggle with overspending, because it limits spending to your set credit line and encourages timely repayment to avoid fees. Just like other cards, it’s important to keep your PIN confidential and monitor your statements for any unexpected charges. Overall, as an AUB-backed, SEC-regulated product, the Atome Card is a legitimate and trusted option for Filipino shoppers looking for flexible payment.

Using the Atome Card Wisely

The Atome Card’s strength lies in its simplicity and flexibility. To make the most of it:

• Shop Within Your Means: Since it’s easy to swipe, resist the temptation to overspend. Stick to your budget to ensure you can clear the bill on time.
• Pay in Full When Possible: Use the 40-day interest-free window as intended. Pay off your statement entirely each month to avoid any finance charges or penalties.
• Explore Installments When Needed: If you need extra time, the built-in installment plans are transparent. Only use them if the financing fee makes sense for your budget.
• Use the App Features: Enable notifications for payments, view real-time transactions, and set payment reminders. The app is your control center for all Atome Card activities.
• Compare Alternatives: If you frequently travel or transact in foreign currencies, remember the 3.10% fee. You might also consider having a multi-currency card (like the Wise card) for cheaper forex conversion abroad.

By managing payments responsibly and taking advantage of Atome’s user-friendly app, you can enjoy shopping conveniences with peace of mind. The Atome Card essentially modernizes how Filipinos pay: it combines the acceptance of a credit card with the planning of a budget-friendly payment plan. As long as you use it responsibly (just as with any card), it can be a valuable tool in your wallet.

Potential Drawbacks

While the Atome Card is powerful, be aware of its limitations:

• No Cash Withdrawals: You can’t use it to get cash at an ATM.
• No Credit Building: Since it’s not reported to credit bureaus, it won’t help build your credit history.
• Foreign Fees: The 3.10% forex fee makes it pricier than some travel cards if used abroad frequently.
• Late Fees: Forgetting to pay on time will result in additional costs, so setting up reminders or auto-pay is wise.

These factors aside, for everyday shopping needs and flexibility, the Atome Card remains a convenient and legitimate payment option for many Filipinos.

Is Atome Card a credit card?

No, the Atome Card is not a traditional credit card. It functions more like a prepaid BNPL card. You don’t get a revolving line of credit with unpredictable interest; instead, you have a fixed limit and flexible repayment options.

Like a credit card, Atome allows you to buy now and pay later, but all interest-free as long as you settle your bill on time. There is no annual fee. If you choose to convert your bill into installments, standard finance charges will apply, similar to interest on a credit card.

Importantly, even though it behaves like one, Atome will not report to credit bureaus or impose interest if you pay promptly.

Where can I use Atome Card?

You can use the Atome Card anywhere Mastercard is accepted. In the Philippines, that means most malls, shops, restaurants, and online stores accept the card (just look for the Mastercard logo). You can also use it overseas on travel or on international websites.

If you do shop abroad, a 3.10% foreign currency fee applies. Within the Philippines, popular retailers, groceries, petrol stations, and eateries that take Mastercard will accept your Atome Card just like a regular credit/debit card.

Note: you cannot use the Atome card for ATM withdrawals, and the virtual card cannot be used where a physical card must be present (such as some PIN-only machines).

How to pay Atome bill

Every month, Atome issues a statement (bill) for your card usage. You must pay at least the statement amount by the due date. The Atome app makes bill payment easy by offering multiple channels:

• Over-the-counter (OTC): Pay in cash at partner outlets. This includes 7‑Eleven stores or pawnshops like Cebuana Lhuillier, Palawan Express, MLhuillier, LBC, and others listed in the app. Just give the cashier your reference number (from the Atome app) and pay your bill.
  
• Credit/debit card: You can link a local credit or debit card on file and pay instantly in the app. This option carries a 2.24% processing fee (including tax), so it’s best if you want instant settlement and don’t mind the small fee.
  
• Atome Savings: If you have an Atome Savings account with funds, you can choose to pay your card bill from your savings balance. This method has no extra fees, but you must have enough balance to cover the whole bill.
  
• Digital wallet (e-wallet): You can pay using major e-wallets by adding Atome as a biller. For example, GCash lets you pay credit card-type bills, so you can add Atome and pay through the GCash app. (Note: GCash/Atome may charge a small convenience fee for amounts over ₱100.)
  
• Bank transfer (InstaPay): Use InstaPay from your bank’s app to transfer to Atome (see below).

Each payment method will prompt you with instructions in the Atome app. Choose the one most convenient.

Important: If you pay the full statement on or before the due date, Atome charges no interest or extra fee. Make sure to pay by the deadline to keep your account in good standing.

How to pay Atome using InstaPay

To pay via bank, use the InstaPay feature (available in most Philippine bank apps). In the Atome app, go to Home → Bills → select your Atome Card bill, and choose InstaPay. Atome will display a 16-digit reference code or account number.

Open your bank’s InstaPay transfer option and send the payment using that reference (Atome’s bank is usually Asia United Bank). The transfer is quick and can be done 24/7. Instapay payments usually post in 3–5 business days.

There is no Atome fee for InstaPay transfers, but check if your bank allows free InstaPay (some banks charge a small fee for InstaPay transactions).

After sending, you’ll see the payment marked in the app once processed. If you miss the due date, Atome will automatically charge your linked card or your Atome Savings on the cut-off date (so try to pay manually beforehand).

How to transfer Atome to GCash

You cannot directly transfer money from an Atome Card to GCash. Atome Card is a spending/credit account, not a cash source. In other words, you can’t “send” Atome funds to GCash like you would a bank account.

The Atome and GCash systems are separate. If someone asks how to “cash out” Atome to GCash, the answer is that there is no simple way. One indirect workaround (not instant): Atome sometimes invites users to apply for an Atome Cash loan (separate BNPL loan product).

If approved, you could receive cash from that loan and then load it to GCash. Alternatively, funds in an Atome Savings account (if you have one) can be transferred out to a bank and then to GCash.

But for normal Atome Card use, simply think: Atome is for purchases; to add money to GCash, you’d use a bank or cash-in method. There is no built-in “transfer to GCash” feature on Atome.

Atome hotline

For any questions or issues, Atome Philippines provides customer support. You can reach Atome email support or use the in-app chat. For immediate help, Atome has a hotline: call +63 2 8236 1011. (This is Atome’s main support number in the Philippines.)

Through these channels, you can ask about your account, report problems, or get help with transactions.

Key things to remember: The Atome Card can be very convenient, but requires discipline. Always pay your bill by the due date to avoid late fees (5% of the outstanding balance). If you switch to a 3‑ or 6‑month installment plan, be aware that interest will be added.

Otherwise, enjoy the flexibility of an interest-free grace period and widely accepted Mastercard payment. Happy shopping!

-faq- Atome Card PH FAQs for Filipino Users Q: Is Atome Card a credit card? A: No, Atome Card is a Buy Now, Pay Later card and not a traditional credit card. Q: Is Atome Card legit in the Philippines? A: Yes, Atome Card is a legitimate financial product available to users in the Philippines. Q: How can I apply for an Atome Card? A: You can apply for an Atome Card through the Atome mobile app using a valid ID and active mobile number. Q: Who is eligible to get an Atome Card? A: Filipino residents who are at least 18 years old and pass Atome’s internal assessment may be eligible. Q: Can I use Atome Card in physical stores in the Philippines? A: Yes, the Atome Card works in physical stores that accept Mastercard. Q: Can I use the Atome Card for online shopping? A: Yes, both the virtual and physical Atome Card can be used for online purchases. Q: Does Atome Card charge interest? A: Standard pay-later periods are interest-free if you pay your bill on time. Q: How do I pay my Atome Card bill? A: You can pay your Atome bill through the app using GCash, InstaPay bank transfer, or other supported payment methods. Q: Can I pay my Atome Card using GCash? A: Yes, GCash is supported as a payment method for settling your Atome bill. Q: Can I pay Atome using InstaPay? A: Yes, you can pay your Atome bill via InstaPay using your local bank’s mobile app. Q: Can I withdraw cash using Atome Card? A: No, the Atome Card cannot be used for ATM cash withdrawals. Q: How do I lock my Atome Card if it is lost? A: You can lock your Atome Card instantly through the card settings in the Atome app. Q: Does Atome Card affect my credit score? A: Late or missed payments may affect your future eligibility and credit assessment with Atome. Q: Can I transfer Atome funds to GCash? A: No, Atome Card is not a cash wallet and does not support direct transfers to GCash. -/faq-