Atome ID-Shop Smart, Earn More

Atome ID-Shop Smart, Earn More is a lifestyle shopping platform that connects you to thousands of merchants across fashion, electronics, travel, groceries, and more. Shop online or in-store with flexible payment options that let you spend now and pay later on your own terms.

The Atome Card, powered by Visa and issued by PT Bank Mayapada Internasional Tbk, gives you access to seamless shopping anywhere Visa is accepted. Enjoy 0% interest for up to 45 days, flexible installment plans stretching up to 12 months, and credit limits up to Rp50,000,000—all with no annual fees or hidden charges. Fast approval and secure processing mean you can start shopping immediately after application. Getting approved takes just three days: download the app, fill in your details, upload your ID, and e-sign once pre-verified.

For online shopping on major platforms like Shopee, Tokopedia, Agora, Lazada, Blibli, Traveloka, Zalora, and Tiket.com, use Atome VA PayLater to split payments without affecting your credit card balance. Lock in 0% interest for up to 40 days when you pay in full by the due date, or extend repayment across 12 months to match your budget. Your VA PayLater limit reaches up to Rp20,000,000, with zero admin fees and transparent pricing.

At partner merchants including Matahari, Giordano, and Nike, choose the Buy Now Pay Later option to split purchases into three interest-free installments or customize longer payment terms. Payments auto-deduct from your card, so managing your purchases stays effortless.

The application process is straightforward. For the Atome Card, you'll need a valid ID, be at least 21 years old, and have the latest app version. For VA PayLater, simply upload your ID and complete facial verification in-app. Track your application status anytime through the app dashboard. All financial services are licensed and supervised by Indonesia's Financial Services Authority (OJK), with the Atome Card backed by the Deposit Insurance Corporation (LPS) and VA PayLater services provided by PT Atome Finance Indonesia.

Shop smarter across thousands of merchants with Atome ID-Shop Smart, Earn More. Download today and unlock flexible payment options that work around your lifestyle.