Not Qualified for a Credit Card? Here’s a New Way to Pay With Credit

Not qualified for a credit card? A new solution has made its way to the Philippines via the Atome Card.

What is the Atome Card?

Haven’t heard of the Atome Card before? Well, in partnership with Mastercard, the Atome Card basically offers Filipinos a new way to pay with credit. It provides cardholders with an Atome line of credit that you can use to pay online and in-store retailers. All you have to do is present your Atome Card during checkout.

Photo from Atome

Atome Card Features

  • 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 Php200,000 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

“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,” adds 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% of Filipinos who are unbanked or underbanked and do not qualify for credit cards,” says Simon Calasanz, Country Manager, Philippines, Mastercard. “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.”

Download the Atome mobile app on the App Store or on Google Play now.

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