다음으로 항공권을 예약하세요 Atome Card 그리고 600개 이상의 항공사를 검색한 후 할부로 결제하세요

Yes. Laters.com accepts Atome Card at checkout, and travellers can typically choose between the Pay in 3 plan, which splits the fare into three monthly instalments at 0% interest, or a longer Pay Monthly financing plan with minimal fees for bigger fares. Which plans you see depends on the country you're booking from, and a credit check applies before approval. Confirm the exact terms on Atome Card's website before you book.

All of them on Laters.com. Atome Card sits at checkout as a payment method rather than something individual airlines switch on, so any flight you can book on the platform can be paid for this way. The plan you're offered, such as Pay in 3 or the longer Pay Monthly option, still depends on your basket and the country you're booking from. A credit check applies regardless of the airline you choose.

No. Laters.com adds no payment surcharge and no booking fee when you choose Atome Card, so the fare shown is the same as paying by debit or credit card. The Pay in 3 plan itself carries 0% interest, but the longer Pay Monthly financing plan carries minimal fees, and a late fee applies if you miss a scheduled payment. Always check the repayment schedule at checkout before confirming.

The e-ticket is issued once your Atome Card payment is approved at checkout, not after every instalment clears. That approval includes a credit check, and the remaining instalments (three monthly payments on Pay in 3, or a longer schedule on Pay Monthly) continue after the ticket is in your inbox. Delivery timing can still vary slightly by airline and route, so check your confirmation email on Laters.com for your specific flight.

Yes. Atome Card runs a credit check as part of approving you for either the Pay in 3 plan or the longer Pay Monthly financing option, and approval is never guaranteed even if you've used the card before. This applies whether you're booking a short domestic hop or a long-haul fare. Because this is a credit product and not a discount, treat the check and the repayment schedule as part of the cost of splitting the fare, not a formality.

A missed payment triggers a late fee on your Atome Card plan, whether that's the Pay in 3 schedule or the longer Pay Monthly financing arrangement. Missed payments may also be reported to credit reference agencies, which can affect your credit standing and your ability to get approved for BNPL or other credit in future. If you think you'll miss a due date, contact Atome Card directly before it happens rather than after, since the fare itself was already paid to the airline through Laters.com.

Atome Card is available for flight bookings from Singapore, Malaysia, Indonesia, the Philippines, Hong Kong, Thailand and Vietnam on Laters.com, with both the Pay in 3 and Pay Monthly financing plans offered in each of these markets. Availability outside this list is not confirmed, so if you're booking from elsewhere, Laters.com will show you the payment methods that actually apply to your account at checkout. Check atome.sg or your local Atome Card site for the current country list before you plan around it.

The Pay Monthly financing plan is built for larger fares, spreading the cost over a longer instalment schedule with minimal fees rather than the three-payment structure of Pay in 3. It suits long-haul or premium fares where three monthly instalments would each be a large sum. A credit check still applies, and the exact tenure and fee amount for Pay Monthly should be confirmed on Atome Card's website, since they vary and aren't fixed across every basket.

It can. Paying on time on either the Pay in 3 or Pay Monthly plan generally doesn't harm your score, but a missed payment can be reported to credit reference agencies and may lower your credit standing. Atome Card also runs a credit check when you apply for a plan, which is a normal part of using any BNPL product. Treat your instalment dates for a flight booking the same way you'd treat any other credit repayment, and check Atome Card's site for how it reports to agencies in your market.

When an airline refunds a cancelled flight booked through Laters.com, the refund is applied back through Atome Card against your outstanding instalments on that booking, whether you were on Pay in 3 or Pay Monthly financing. If you'd already paid instalments before the cancellation, those amounts are typically refunded back to you or offset against what's still owed. Processing times depend on the airline's refund policy and Atome Card's own timeline, so check both Laters.com and Atome Card's site for how a specific refund will be handled.

Yes. Atome Card's plans, Pay in 3 and Pay Monthly financing, apply to the total fare you're charged rather than to the route or number of stops, so an international or multi-stop itinerary is treated the same as a single-leg domestic flight. What decides which plans you see is the country you're booking from on Laters.com, such as Singapore, Malaysia, Indonesia, the Philippines, Hong Kong, Thailand or Vietnam, not where the flight actually flies to. A credit check applies at checkout either way.

Not entirely free of risk, even though the Pay in 3 plan is genuinely 0% interest on time. The catch is what happens if you don't pay on time: a late fee applies, and missed payments may be reported to credit reference agencies, which can affect your credit standing. The longer Pay Monthly financing plan is different again, carrying minimal fees rather than being interest-free. Read the schedule Atome Card shows you at checkout before confirming either plan.

Generally, yes, because Atome Card is a payment method at checkout on Laters.com and doesn't change how the airline records your booking or fare class. Miles, tier points and status benefits are set by the airline's own program rules, not by how you paid, whether that's the Pay in 3 plan or Pay Monthly financing. It's still worth double-checking the fare type on your booking, since some promotional or heavily discounted fares can carry reduced mileage earning regardless of payment method.

Yes, Atome Card can be used on premium cabin and business class fares booked through Laters.com, with the higher fare typically suited to the longer Pay Monthly financing plan rather than the three-payment Pay in 3 structure. A credit check applies to both plans, and approval for a larger basket is not guaranteed. Confirm current basket limits and terms for premium fares directly on Atome Card's website before booking.

Yes. Laters.com prices the fare the same whether you pay by card or through Atome Card, so a sale fare or promotional price you see on the listing carries through to checkout with either the Pay in 3 plan or Pay Monthly financing. Atome Card doesn't add a surcharge that would offset the discount. The credit check and repayment schedule still apply to whatever the final discounted fare comes to.