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The Generalist x Atome Promotion

Exclusive for Atome Users

Offer 1: New Atome users can enjoy 10% off, up to HK$50 off

Offer 2: Atome users can enjoy HK$50 off with purchases of HK$2,000

Limited quantity, first come first served. Subject to terms and conditions.

Promotion period: from now until further notice.

How to shop on The Generalist with Atome (Buy Now, Pay Later)

  • Select Atome as your payment method during checkout.
  • If you have an Atome account, please enter your login information and proceed with payment.
  • If you are new to Atome, you will be asked to apply for an Atome account before checkout with THE GENERALIST. The process is fast and simple, and you will receive an approval within minutes.
  • Pay 1/3 of the total bill first. After your checkout, orders ship and you will receive the items and pay the other two payments later with zero interest, 30 days apart.

Zero interest or hidden fees

Atome does not charge any interest or any hidden service fees. If you miss a scheduled payment, your account will be suspended until the outstanding amount is paid. An administration cost of HK$100 is charged to re-activate your account.

Easily track your monthly shopping expenses and payment notifications through Atome's mobile app. For more information, please refer to the Terms of Service.



  1. Am I eligible to use the Atome service?

To use the service, you must:

- Be at least 18 years of age

- Currently reside in Hong Kong

- Have a mobile phone number registered under your HKID

- Own a credit card


  1. How do I pay with Atome?

After downloading Atome mobile app and setting up your account, scan an Atome QR code to pay if you're at a shop or choose Atome as a payment option when you're on THE GENERALIST website.


  1. Are there any limitation on transaction amount to use Atome service?

To use Atome service, your transaction amount needs to between HKD$15 - HKD$10,000.


  1. Any transaction limit for using Atome?

The transaction limit for debit card is HK$3,000 per transaction, whereas for credit card, the transaction limit is HK$10,000 per transaction.


  1. Are there any extra or hidden fee?

It's hard to believe, but there really isn't one. The only cost that you might incur (apart from the price of your purchase) is a fixed late repayment fee that never snowballs.


  1. Any charges for using Atome service?

Atome is totally free to use, as long as they pay on time.


  1. Can I make a refund? Where can I see my refund status?

If customer's transactions are applicable to THE GENERALIST refund policy and THE GENERALIST agreed to refund for that transactions, Atome will immediately process your refund.

If you receive a full refund, any unpaid amount will be cancelled, and the amount already charged will be refunded.

For example, if you've made your first repayment, Atome will cancel the two other payments and you'll also get your first payment refunded.


With a partial refund, refund amounts are taken off your next scheduled payment first.

For example, if you bought two items that cost HKD$450 each and paid your first payment of HKD$300, you will receive a partial refund of HKD$450.

Your third payment will be cancelled and you'll only pay HKD$150 for your second payment. Any excess balance will be refunded to your credit card.


Two items: HKD$900 (300 x 3 payments)

Partial refund: HKD$450

Amount due: HKD$450

First payment = HKD$300

Second payment = HKD$300 (-$150)

Third payment = HKD$300 (cancelled)

Your Atome account will be updated to reflect the full or partial refund under the "Bills" tab.


  1. Can repayment date be pushed back?

Under normal circumstances, no, but if you are facing technical difficulties or other problems that prevent you from paying on time, though,

please get in touch with Atome as soon as possible so they can provide you with the support that you need.


  1. What happens if I miss a payment?

If you missed a scheduled payment, Atome will charge you an administration fee and Atome will freeze your account until the outstanding amounts are paid.

To reactivate your account, Atome will charge a $100 fee. If this reactivation fee and instalment is not paid within seven days, an additional $50 fee will be charged.

In Hong Kong, the maximum administrative fee is capped at $300 per transaction.


  1. Can I enjoy the credit card rebates offer from the bank if I use Atome?

Yes, as the customer will use Atome service and processed by credit card payment. The cash rebate/ reward details will be based on the credit card they use for checkout.


  1. After I used Atome, how the installment will be shown in my bank statement?

Every transaction process with Atome will be displayed as the same as other spending made by credit card.

And you will see the same transaction record in the following 3 months once you made the purchase.

You can download and login to the mobile app to see all installment/ transactions you have made with Atome.


About the terms and conditions of Atome service, please see:


Campaign Terms and Conditions

- Atome Hong Kong Limited ("Atome") and THE GENERALIST are the organizers of the Campaign.

- Each customer may apply this Offer once only. This Offer is provided on a limited amount only which is available on a first-come-first-served basis, subject to THE GENERALIST and Atome‘s record.

- Once customers enter and use the promotion code of this Offer, they must use Atome to settle the payment and the payment method cannot be changed.

- Each Participant is required to redeem the digital online coupon with a digital device. The redemption process must be supported by internet data.

- If anyone is found to participate in this event with an empty account, fake account, the same series of email addresses, via plug-ins or other informal channels, or disrupt or manipulate this event by using any programs, Atome and THE GENERALIST reserve the right to cancel the order without prior notice.

- All data will be handled in accordance with the requirements of the Atome server. By participating, it indicates your agreement to abide by the Terms and Conditions of the Campaign.

- The Campaign is not valid in conjunction with any other Atome coupons. It is not exchangeable for cash, refund or coupon in other denominations. No change will be given whether in cash or in other forms.

- Participants agree that Atome is not responsible for any actual or consequential damages due to delays or losses arising out of the use of the computer, website, internet, telecommunication or technical problem. All data collected by the server of Atome serves as final.

- Atome and THE GENERALIST reserves the right to cancel, end, or postpone the Campaign, or to amend the Terms and Conditions of this Campaign (including the Participant Limit) at any time without prior notice. All interpretations of these Terms and Conditions shall be at the sole and absolute discretion of Atome, and in case of any dispute, the decision of Atome and THE GENERALIST shall be final.

- Atome and THE GENERALIST are not the supplier of the products or services provider and are not responsible for any obligations and liabilities relating to the respective products and services.

- Atome and THE GENERALIST reserve the right to amend these terms and conditions in both Chinese and English versions at any time without prior notice.


If there is any inconsistency between the English and Chinese versions of these terms and conditions, the English version shall prevail.

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