In general, majority of the Atome users have a spending limit of:
| Non-Credit Card Customer | Credit Card Customer |
| RM 1500 | RM 5000 |
As a general guideline, the spending limit will be RM 1500 for new debit card users and RM 5000 for new credit card users. However, your purchase may still be declined due to a variety of other factors which Atome uses to determine the approval of the transaction. If your purchase is indeed declined, you may write to us for special approval on a case by case basis.
Your spending limit in the Atome account is determined by the default payment card. For example, if you have added 3 credit cards and 2 debit cards in your account, and the primary card is a debit card, your limit will be RM 1500.
To maintain a higher limit, please:
1) Switch to our preferred payment option i.e. credit card and/or local cards and
2) Keep a good repayment behavior
Note: All Atome users have varying spending limits available for transacting with Atome. This limit is different from the credit limit that you have set on your credit/debit card.
Wish to set your credit card as the primary card?
Please go to this article: How do I set another card as "primary" card?