Best Credit Cards to Use For Atome in 2026
Atome is now one of the more common Buy Now Pay Later (BNPL) apps in Singapore, and it can be used to increase rewards on one’s spending. Here are some of the best cards to pair with Atome.
Benefits of Atome
Atome is accepted at a variety of retail stores and even online merchants, and it offers a few advantages:
| Benefit | How it Helps |
|---|---|
| Predictability | Transactions code as MCC 5999 Transactions code as online |
| Breaks up transaction | Interest-free 3-month instalment is good for cashflow Able to break up big transaction into smaller ones and assign multiple cards to one purchase |
| Atome vouchers | Additional discount on purchase |
| Earns Atome points | Extra rewards on top of credit card miles/cashback |
| Competitive forex rates | Atome claims to have good rates |
When using Atome, I know that the transaction MCC would be 5999 and it would code as an online transaction, making it easier to pick out what card to use. In fact, for sites like Trip.com, Atome changes the MCC to 5999, making it possible to use Citi Rewards for such transactions even though the card excludes travel MCCs.
Since it breaks up a transaction into smaller ones, it is also great for handling larger transactions that can exceed the spend caps of cards. A S$3,000 transaction may overwhelm a card that gives rewards only on the first S$1,000 of spend each month, but breaking it up into 3 payments over 3 months makes it fit nicely. This works for larger purchases like iPhones or other electronics.
Atome also offers vouchers that gives additional savings. Users also earn Atome points which can be redeemed for vouchers, rebates, or miles.
The BNPL app also recently launched in Malaysia, and at least one user reports “pretty good” rates.
Atome
Atome splits up your transaction and converts them into online ones. Also, discount vouchers and promos can reduce your spend.
🎁 New Users
Get S$10 off your first purchase when you sign up.
For reference only; refer to exact details in terms and conditions
Downsides of Atome
I hope this goes without saying, but if you are using BNPL services like Atome so that you can spend beyond your means, you should reconsider your purchase.
Cards that support MCC 5999
Here are cards that specifically support Atome’s 5999 MCC. You should have no issue getting rewards from these cards on Atome transactions.
| Card | Earn Rate | Monthly Cap | Conditions |
|---|---|---|---|
 DBS LiveFresh | 6% cashback | S$50 cashback (S$877.19 spend) | 💲 Minimum spend of S$800 per month |
 DBS Chromo | 5% cashback | S$37.50 cashback (S$750 spend) | 💲 Minimum spend of S$500 per month 💳 Shopping as one of your top 2 spending categories |
 HSBC Revolution | Tier 1: 4 miles per dollar¹ Tier 2: 8 miles per dollar¹ | Tier 1: S$1,000 spend Tier 2: S$1,200 spend | 📲 Contactless or online payment 💰 Tier 2 requires S$50,000 MAB in HSBC EGA |
- HSBC Points convert sub-optimally to KrisFlyer miles; see transfer calculator for details
Cards known to work with Atome
The following cards give their rewards on online transactions and do not currently exclude Atome or MCC 5999.
While Atome’s first transaction counts as online, users have come to realise that subsequent payments need to be manually triggered within the app for them to be considered online. Letting the payment automatically go through in the 2nd and 3rd month will not be counted as an online payment.
| Card | Advertised Earn Rate | Monthly Cap | Conditions |
|---|---|---|---|
 Citi Rewards Mastercard | 4 miles per dollar | S$1,000 spend (4,000 miles) | 🌐 App/online 💳 Use Mastercard version; Visa version does not work |
 DBS Woman’s World Mastercard | 4 miles per dollar | S$1,000 spend (4,000 miles) | 🌐 App/online |
 KrisFlyer UOB Credit Card | 1.2 / 2.4 miles per dollar | Unlimited | 🌐 App/online 💲 1.2 mpd: no min. spend 💲 2.4 mpd: min. annual spend of $1,000 on SIA Group |
- Advertised rate can be quite misleading. A high cashback rate can be watered down due to a low sub-limit and minimum spend.
Cards that could work with Atome
Below are a few cards that should work with Atome given that they support online transactions and do not exclude Atome nor MCCC 5999.
There are, however, limited to no reports to whether they provide their rewards for Atome so do share in the Telegram or comments if you have tried using such cards for your Atome payments.
| Card | Advertised Earn Rate | Monthly Cap | Conditions |
|---|---|---|---|
 OCBC FRANK | 8% cashback¹ | S$25 cashback (S$312.50 spend) per category | 💲 Minimum spend of S$800 per month 📲 Mobile contactless payment 🌐 App/online |
 DCS Flex | 6% cashback | S$25 cashback (S$416.67 spend) per category | 💲 Minimum spend of S$600 per month 📲 Contactless payment 🌐 App/online |
 Maybank Platinum Visa | 3.33% cashback | Quarterly cap of S$30, S$100 or S$200 | 💲Quarterly mechanic: spend S$300, S$1,000 or $2,000 per month for a quarter |
 SAFRA DBS | 3% cashback | S$50 cashback per month (S$1,666.67 spend) | 💲 Minimum spend of S$500 per month 👉🏼 Must be SAFRA member 📲 Contactless payment 🌐 App/online |
- Advertised rate can be quite misleading. A high cashback rate can be watered down due to a low sub-limit and minimum spend.
Cards that are known not to work well with Atome
Despite not having specific exclusions for Atome or MCC 5999, UOB cards do not seem to offer rewards for Atome transactions. There have been reports that UOB considers Atome as an instalment plan and hence excluded from rewards. This includes:
- UOB EVOL
- UOB One
- UOB Preferred Platinum Visa
Users have also reported not getting rewards for:
- Citi SMRT
- Citi Rewards (Visa).
You should also avoid cards like HSBC Live+ or OCBC Rewards which do not include MCC 5999 in their list for bonus rewards.
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Seth Wee was a licensed financial adviser representative from 2009 to 2025, with over 16 years of experience in Singapore’s financial advisory industry.
He started Sethisfy.com in 2019 to share practical insights on credit cards, banking products, and miles strategies, helping readers identify financial products that deliver the best value. Seth has been featured in CNA, Channel 8, Today, and a host of other publications. In 2025, he was also part of a panel at CPF’s Ready For Life festival.
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