In general, majority of the Atome users have a spending limit of:
Non-Credit Card Customer Credit Card Customer
HK$ 5,000 HK$ 10,000
As a general guideline, the spending limit will be HK$5,000 for new debit card users and HKD$10,000 for new credit card users. However, your purchase may still be declined due to a variety of other factors which Atome uses to determine the approval of the transaction. If your purchase is indeed declined, you may write to us for special approval on a case by case basis.
Your spending limit in the Atome account is determined by the default payment card. For example, if you have added 3 credit cards and 2 debit cards in your account, and the primary card is a debit card, your limit will be HK$ 5,000.
To maintain a higher limit, please:
- Switch to our preferred payment option i.e. credit card
- 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.