How long does it take to receive my refund? 10 September 2025 08:48 Once the merchant processes the refund, the amount will be credited to your Atome Card within 45 business days. Related articles How do I check my refund details? Can I pay off my installment amount/plan early? Can I amend my installment plan? Can I set a transaction limit on my Atome Card? Can I manage my Auto-Installment settings?