The Atome Card is a Mastercard with an assigned spending limit that allows users to enjoy interest-free credit for up to 40 days. It is a buy now pay later app that offers its users the choice and convenience of flexible payment options for a variety of products and services. The Atome Card can be used anywhere Mastercard is accepted, and it offers installment plans of up to 6 months. The card is available to anyone who is at least 18 years old and holds a valid Philippine ID card, with no minimum income required.

According to a Reddit post, the Atome Card is a credit card that can be used as a reference when applying for a new credit card. The card has a spending limit that is set when the card is first approved, and it can be increased upon request via email as the user transacts with the card regularly and pays bills on time.

The Atome Card is a new way for credit that offers the perks of a credit card without having to worry about interest rates or spending limits. It is a flexible credit facility that provides many underserved segments in the Philippines access to credit, including those who are unbanked or underbanked and do not qualify for credit cards. The Atome Card is the first financial service offered by Atome apart from buy now pay later.