Atome ID-Shop Smart, Earn More v2.137.0
Shopintar
About this app
The Atome ID-Shop Smart, Earn More app solves the problem of high-interest credit card fees by offering 0% interest up to 45 days and flexible installment plans, benefiting individuals who frequently use credit cards for shopping. Compared to alternatives in the Shopping category, this app stands out with its user-friendly interface and well-received user rating of 4.0/5. However, it falls short in terms of lacking a comprehensive developer website and explicit privacy policy. Overall, the app's unique features and good reputation make it a notable option for users seeking smart credit card management.
Pros
- With over 5 million downloads, the Atome ID-Shop Smart, Earn More app has demonstrated strong social proof, indicating a high level of user trust and satisfaction.
- The app's 4.0/5 user rating suggests that it is well-received by users, who appreciate its ease of use and effective credit card management features.
- The absence of in-app purchases and ads contributes to a seamless user experience, allowing users to focus on managing their credit card expenses without distractions.
- The app's requirement of Android 8.0 or higher ensures a modern and secure environment for users to manage their financial information.
- The developer's commitment to regular updates, as evident from the version history, demonstrates a dedication to maintaining and improving the app's performance and features.
Cons
- The lack of a comprehensive developer website and explicit privacy policy may raise concerns among users regarding the transparency and accountability of the developer.
- Some users may find the app's limited functionality, focusing primarily on credit card management, to be restrictive compared to more comprehensive financial management apps.
- The app's reliance on a single email address for support may lead to delayed response times or inadequate assistance for users with complex issues.
- The absence of any permission requests may indicate that the app does not collect or transmit sensitive user data, but it also raises questions about the app's ability to provide personalized services or features.
Best for: The ideal user for the Atome ID-Shop Smart, Earn More app is an individual between the ages of 25 and 45, with a moderate to high level of technical skill, who frequently uses credit cards for shopping and is seeking a convenient, user-friendly, and cost-effective way to manage their credit card expenses and avoid high-interest fees.
Developer Description
Credit card with 0% interest up to 45 days and flexible installment plans
Use the Atome Credit Card or VA PayLater to enjoy 0% interest, flexible installment plans with no upfront costs across your favorite brands.
【 DISCOVER MORE OF THE ATOME ADVANTAGE 】
1. Atome Card
Powered by the Visa network and co-branded with PT Bank Mayapada Internasional Tbk (BMI), the Atome Card provides:
- 0% interest for up to 45 days
- Credit limit of up to Rp50,000,000
- Flexible installments of up to 12 months on every purchase
- No annual fees or hidden charges
- Secure and fast approval for peace of mind
- Shop anywhere Visa is accepted - online, in-store and overseas
To apply for the Atome Card, here’s what you’ll need:
- A valid KTP (ID)
- Be at least 21 years old
- The latest version of the Atome app
This service is provided by PT Bank Mayapada Internasional Tbk, licensed and supervised by the Financial Services Authority (OJK), and a participant of the Deposit Insurance Corporation (LPS).
2. Atome VA PayLater
Add even more flexibility with VA PayLater and shop smarter, without adding to your credit card balance. It’s the perfect solution for splitting your online shopping payments, in addition to the benefits of your Atome Card.
- 0% interest for up to 40 days on your online purchases when you pay your bill in full before the due date
- Use your Atome limit (up to Rp20,000,000) across top platforms like Shopee, Tokopedia, Agoda, Lazada, Blibli, Traveloka, Zalora, Tiket.com, and more.
- Enjoy repayment plans for up to 12 months — tailor your payments to your budget
- No admin fees or hidden charges—just straightforward payments
3. Buy Now Pay Later
Split purchases into 3 interest-free installments or longer with a small fee at partners like Matahari, Giordano, Nike & more. Payments auto-deducted from your card. Enjoy more with Atome—download now!
This service is provided by PT Atome Finance Indonesia, licensed and supervised by the Financial Services Authority (OJK)
HOW TO APPLY FOR THE ATOME CARD
1. Download the Atome app and tap the Card tab on the homepage
2. Tap "Apply for free" and choose your preferred Atome Card
3. Fill in your personal information and upload your KTP (ID)
4. Wait for pre-verification. The review takes 3 days. Check the status of your application, in-app.
5. Once pre-verified, e-sign to complete your Atome Card application.
HOW TO SHOP WITH THE ATOME CARD
1. Activate your Atome Card using the Atome app
2. Use your credit card to shop both online and in-store anywhere Visa is accepted
HOW TO APPLY FOR ATOME VA PAYLATER
1. Download the Atome app and tap the Card tab on the homepage
2. Tap "Apply now" and upload a valid KTP
3. Submit your personal information and go through facial verification.
4. To check your application status, go to the VA PayLater page in-app.
HOW TO SHOP WITH THE ATOME VA PAYLATER
1. Review your online shop's cart. Once you’re ready to pay, tap "Check Out" to get started.
2. Choose Bank Transfer as your payment method and select your preferred bank.
3. Tap Place Order to proceed, then copy the VA number for payment.
4. Launch the Atome app and tap VA PayLater.
5. Select the merchant and your preferred bank, then paste the VA number.
6. You’ll receive a notification once your transaction is confirmed.
CONTACT US
Atome delivers top shopping experiences with flexible payments. Have questions? Email support@atome.id. Rate us on the App Store and follow our social media!
Website: https://www.atome.id
Help Center: support@atome.id or 021-50251717
Instagram: https://www.instagram.com/atome.id
Whatsapp: https://wa.me/message/NYUXWVBBGCCYP1
Privacy
Given the app's lack of permission requests, users should be cautious about the potential collection of data through other means, such as in-app analytics or third-party services. To ensure maximum security, users should regularly review their credit card statements and transaction history within the app. Additionally, users should be aware of the potential risks associated with storing sensitive financial information on their device.
Tips
To get the most out of the Atome ID-Shop Smart, Earn More app, users should initially set up their credit card information and familiarize themselves with the app's interface and features. Users can also optimize their experience by regularly updating the app to ensure they have access to the latest features and security patches. Furthermore, users should explore the app's flexible installment plans to maximize their savings and minimize interest charges.
What's New
Version Information
- Version
- 2.137.0
- Downloads
- 5M+
- Updated on
- Jan 8, 2026
- Released
- Jan 10, 2026
- Requires
- Android 8.0
Statistics
Google Play Rating History
Rating Distribution
Downloads Over Time
Atome ID-Shop Smart, Earn More has been downloaded times. Over the past 30 days, it averaged downloads per day.
Shaded area shows 30-day prediction based on historical trends
Historical data collection started recently. More data points will be available over time.
Atome ID-Shop Smart, Earn More - Google Play Rankings
Top Rankings
| Rank | Country | Category | List | Change |
|---|---|---|---|---|
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Ranking History in
No ranking data available yet. Rankings are updated daily.
#29 in Top Free Shopping in Indonesia
Atome ID-Shop Smart, Earn More users say on Google Play
Rafi Mohammad
UI is at its peak
Andhika Axelminerva
zalora pake atome bisa bnyk diskon
Shido Itsuka
apakah memang belum ada fitur scan qris? harusnya bisa dibwatkan fitur ini dgn debit dr atome card atau limit atomenya lgsg.
Tix Tox
Tidak support Eraspace/Erafone cicilan 0% tenor 24 bulan. Adain dong fiturnya! Seperti kartu kredit lain kaya BRI, BCA, Mandiri, dll itu support loh mereka. Saya update bintang 5 kalau fitur ini sudah didukung Mayapada Atome Card. Tambahan lain, fitur Help Center diperjelas lagi fitur CicilNow di Atome Cardnya. Infonya sangat minim sekali tidak ada info mengenai berapa tagihan minimum nominalnya yang bisa dicicil.
Sumuang Purwanto Nadapdap
Based on the tele-marketing phone call yesterday, I should download this app, and get the benefit instantly & she assured me that I would get lots of benefit from your Atome app such as Paylater etc. But as I expected, my application has been turn down. Such a waste.
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