Buy now, pay later · Visa prepaid cardAtome Malaysia
Everyday payments. A clearer repayment plan.
A Visa prepaid card with BNPL facilities, plus merchant instalments. Card bills and merchant payment plans have different terms.
- Best for
- Visa payments & instalments
- Cost to know
- No card annual fee
One brand. Two payment routes.
The Atome Card is a Visa prepaid card issued by Fasspay with BNPL facilities. Separately, Atome offers checkout instalments at partner merchants. Read the schedule for the route you actually use.
Card payments & repayments
- Pay the card bill in full
- Up to 40 days interest / profit-free when paid in full by its due date. The actual period depends on the bill cycle.
- Convert a card bill
- Up to 12 months, subject to eligibility. Fees and financing charges follow the agreement shown in-app.
- Merchant Pay in 3
- Interest-free payments at participating merchants when repaid on schedule.
- Merchant Pay in 6 / 9 / 12
- Separate merchant service: 1.5% per month at selected merchants. This is not the card-bill tariff.
- Overseas spending
- Accepted where Visa is supported; overseas fees may apply. Check the current in-app tariff.
- DuitNow QR
- No QR transaction fee under the published card FAQ; repayment charges remain separate.
- ATM cash advances
- Not supported.
- Overdue card bills
- Continued overdue payment can block the card; prolonged arrears may enter collection.
Who can apply?
- Age & mobile
- Malaysia service: age 18+ and a +60 mobile number.
- Card identity check
- Valid Malaysian NRIC (MyKad only) and a selfie, according to the card document FAQ.
- Income
- No minimum income advertised for the card; approval and limits still depend on assessment.
- Physical card
- Only pre-selected eligible users can order a physical card. Virtual card and DuitNow QR access follow account eligibility.
Before choosing instalments
Check the total payable, each due date and the funding account. A prepaid card with financing facilities is different from a bank credit card or a savings deposit.
A few useful answers
Is the card a bank credit card?
No. The provider describes a Visa prepaid card with BNPL facilities, issued by Fasspay.
Is overseas spending free of FX fees?
The official overseas FAQ says fees may apply. There is no verified blanket 0% FX promise, so check the app tariff.
Product terms & references
Checked 5 November 2026 · Provider pricing can change. Confirm the quote in the app before paying.