Can I book flights on Laters using Atome Card?

Yes, you can use Atome Card to book flights on Laters.com, splitting the fare across monthly instalments as a credit arrangement. Atome Card's flagship Pay in 3 plan divides your flight cost into three interest-free monthly payments, with the first payment typically due at checkout. A credit check and approval are required, so booking is subject to eligibility. Always confirm current terms at Atome's website before completing your booking.

When will I receive my e-ticket after paying with Atome Card on Laters?

Your e-ticket is issued once your Atome Card payment is approved and the booking is confirmed by the airline. You do not need to wait until all instalments are paid, the ticket is tied to the initial booking confirmation, not the final payment. If you have not received your e-ticket within the expected timeframe, contact Laters.com support with your booking reference.

Is there a credit check when I use Atome Card to pay for flights?

Yes, Atome Card is a credit product and a credit check is part of the approval process. Approval is not guaranteed, and your eligibility will depend on factors assessed at the time of your application. For full details on the type of check performed and what it considers, visit Atome's website directly.

What happens if I miss an Atome Card instalment payment?

Missing a payment on your Atome Card plan can result in consequences including potential fees, suspension of your account, and a negative impact on your credit record. As a credit product, Atome Card operates under terms that treat missed payments seriously. You should review the full missed-payment policy on Atome's website before committing to a plan, and only borrow what you are confident you can repay on schedule.

Which Atome Card plan is better for a long-haul or higher-cost flight?

For higher-cost long-haul fares, Atome Card's Pay Monthly financing option may be worth considering, as it offers longer instalment tenures beyond the three-month Pay in 3 plan. The Pay Monthly plan is described as carrying minimal fees, though exact tenures, rates, and any applicable charges are not confirmed here, check Atome's website for current figures. The Pay in 3 plan remains interest-free across three monthly payments and suits mid-range fares where three instalments are manageable. Both plans are credit products subject to approval.

In which countries can I use Atome Card to book flights on Laters?

Atome Card is available to travellers in Singapore, Malaysia, Indonesia, the Philippines, Hong Kong, Thailand, and Vietnam, with both the Pay in 3 and Pay Monthly plans offered across these markets. Availability and supported plans can vary by market, so confirm your country's current offering on Atome's website. Laters.com displays the plans available to you at checkout based on your location.

Can I use Atome Card to pay for premium cabin or business class flights?

Atome Card can be used toward premium cabin fares on Laters.com, subject to any basket limits that apply in your market. Because Atome does not publicly confirm maximum basket amounts, you should check the current limits on Atome's website or at checkout before selecting a high-value fare. Approval for larger credit amounts is not guaranteed and depends on your individual eligibility assessment.

What happens to my Atome Card instalments if I cancel my flight and receive a refund?

If your flight is cancelled or you are entitled to a refund, the amount is typically returned to your Atome Card account rather than directly to your bank, and any outstanding instalments may be adjusted accordingly. The exact refund process depends on both the airline's cancellation policy and Atome's refund terms. You should contact Laters.com support to initiate the cancellation and then check with Atome directly to confirm how the credit will be applied to your instalment schedule.

Will using Atome Card for flight payments affect my credit score?

Because Atome Card is a credit product, the application and ongoing use may be recorded on your credit file, depending on the reporting practices in your country. Missed or late payments are particularly likely to have a negative effect on your credit record. Responsible use, including making all payments on time, is important. For country-specific details on credit reporting, refer to Atome's website.

Atome Card Flights: Pay in 3 Instalments

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Yes, it works

Yes, Atome Card Works for Flight Bookings on Laters

Atome Card works for every flight on Laters; every airline, every route, every fare class. Select Atome Card at checkout, and your e-ticket is issued once payment is approved. Available across Singapore, Malaysia, Indonesia, the Philippines, Hong Kong, Thailand, and Vietnam. It's a credit product, so approval is not guaranteed.

How to Book Flights with Atome Card on Laters

Search your flight

Enter your departure city, destination, and travel dates on Laters.com to compare fares across multiple providers and book your flight.

Select Atome Card at checkout

Select Atome Card at checkout and complete the credit approval process. Eligibility isn't guaranteed, and a credit check applies.

Fly now, pay later

Once payment is approved, your e-ticket is issued. Pay in 3 monthly instalments, the first typically due at checkout or spread the cost over a longer plan.

Pay Your Flight Over Time with Atome Card

Atome Card lets travellers across Southeast Asia and beyond pay in instalments or spread the cost over a longer monthly financing plan. Both are credit products, subject to approval and applicable fees. Full plan details, including any costs, are shown in the cards below.

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Yes, Atome Card Works for Flight Bookings on Laters

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Yes, Atome Card Works for Flight Bookings on Laters