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One advantage of Atome is that transactions typically code as MCC 5999 (miscellaneous retail) and are processed as online transactions. This makes it easier to use credit cards that offer bonus rewards for online spending. Another benefit is that purchases are automatically split into three payments, which helps users stay within monthly spending caps on reward cards. Atome also offers discount vouchers, reward points, and competitive foreign exchange rates for overseas purchases.
Best credit cards confirmed to work with Atome
Some cards reliably earn rewards on Atome transactions:
DBS Live Fresh Card – Up to 6% cashback (with S$800 monthly spend; cashback capped at S$50).
HSBC Revolution Credit Card – 4 miles per dollar on online/contactless payments (up to S$1,500 spend monthly).
Other cards commonly used with Atome
These cards typically reward online spending and have been reported to work, though users must manually trigger the second and third instalment payments in the Atome app to ensure they are treated as online transactions:
Citi Rewards Mastercard – 4 miles per dollar on up to S$1,000 spend (Visa version reportedly does not work).
DBS Woman’s World Card – 4 miles per dollar on up to S$1,000 monthly online spend.
KrisFlyer UOB Credit Card – 1.2–2.4 miles per dollar, depending on annual spending with Singapore Airlines.
Cards that might work
Cards such as OCBC FRANK Credit Card, DCS Flex Card, Maybank Platinum Visa Card, and SAFRA DBS Credit Card may reward Atome payments, though user reports are limited.
Cards to avoid
Several **UOB cards — including UOB EVOL, UOB One, and UOB Preferred Platinum Visa — reportedly do not give rewards, as Atome transactions may be classified as instalment plans.
Overall, Atome can help maximise miles or cashback by splitting payments, earning additional points, and enabling bonus rewards on online transactions when paired with the right credit cards.
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Good information.
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