Debit Card Instalment

3/6 months payment plan, 0% interest.

Available for credit card or debit card.

(online and in-store)

4 months payment plan, 0% interest.

Available for credit card or debit card.


4 months payment plan, 0% interest.

Available for credit card or debit card.


What is Atome?

With Atome, you can buy now and split your purchase into 3 interest-free payments using credit or debit card.

What are the payment methods for repayment?

App repayment. Go to your ATOME APP. Select "Check and Pay" overdue bills. Update your credit or debit card details.
Auto-Deduction. Ensure sufficient funds available on the debit/credit card bound to your Atome account for auto deduction.

Am I eligible to use the Atome service?

To entitle for the service, you must:
  • - 18 years old and above
  • - Residence in Malaysia
  • - Have valid mobile contact number registered under your MyKad with the telco
  • - Possess a credit or debit card that will be used to pay for your purchases on Atome

Is there a purchase limit for with Atome?

Yes, you can only shop up to RM4,099 (for debit card payments) and up to RM6,000 (for credit card payments) on Apple devices and Apple original accessories but there is minimum purchase required of RM25.

How do I pay using Atome?

Shop with iTworld in-store and choose Atome as your preferred payment method at checkout. Make your first payment (one-third of your bill) with your credit or debit card at the time of purchase and the rest over the next two months in two equal interest-free instalments. Just that easy.

Do customers have to pay any fees for using the Atome service?

Atome comes as a free service: no hidden charges if scheduled instalments paid on time. 

What happens if I miss a payment?

Atome will charge an administration fee and freeze the account until the outstanding amounts are paid. To reactivate your Atome account, Atome will charge a RM50 one-time fee. If this reactivation fee and instalment is not paid within seven days, an additional RM25 fee will be charged (by Atome). In Malaysia, the maximum administrative fee is capped at RM150 per transaction.

How 6 months instalment work?

  • - 6 months only applicable to repeat users for both credit / debit card users.
  • - No additional MDR imposed on Apple partners. However, there is an admin fee of 1.5%/month should the users opt for 6-months option.
  • - Minimum spend to be entitled for 6-months MT is RM10.

For any enquiries or issue, may contact