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With Mastercard’s Aid, Atome Expands Financial Service Offering With Launch of Atome Card

Mastercard and Atome have partnered to launch the Atome Card in the Philippines, offering Filipino consumers a new way to pay with credit. The Atome card provides cardholders with an Atome line of credit that can be used to pay online and in-store retailers by simply presenting their Atome Card during check-out.

At launch, consumers in the Philippines can register their interest for the Atome Card with one click, directly via the latest version of the Atome app. Selected consumers from the early bird phase will receive an email inviting them to apply for the Atome Card.

Summary of Atome Card offered in Philippines:

  • No fees: No annual fees, sign-up fees or other hidden charges.
  • Instant approval: Easy application on mobile, no minimum income required.
  • Payment flexibility: Buy now, pay up to 45 days later with up to P200,000 limit.
  • Shop anywhere: In-store or online, virtual or physical card can be used anywhere Mastercard is accepted.
  • Puts you in control: Easily view/manage payment schedule, all in the Atome app.

“The launch of the Atome Card marks an exciting new chapter for Atome, as it’s the first financial service we offer apart from Buy Now, Pay Later. With no annual fees and minimum income requirements, the Atome Card will give many underserved segments in the Philippines access to a flexible credit facility, the first such innovative solution across the region with more markets to come in the next few months,” said Magic Tang, Atome payment partnerships director.

“Mastercard is delighted to partner with Atome on this innovative product that will contribute to building a cash-lite society and drive financial inclusivity by serving more than 70 per cent of Filipinos who are unbanked or underbanked, and do not qualify for credit cards. The Atome Card will enable cardholders with choice, control and flexibility to manage their finances and is available to use anywhere Mastercard is accepted. For merchants, this also means increased sales and better conversion rates, extending the benefits of digital commerce to more consumers and businesses in the Philippines,” said Simon Calasanz, country manager, Philippines, Mastercard.


  • Francis is a journalist and our lead LatAm correspondent, with a BA in Classical Civilization, he has a specialist interest in North and South America.

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