
<p>Customer loyalty helps businesses to grow and expand, which is why they focus all services on maximum customer satisfaction. There are different ways a company inspires loyalty in its consumers and keeps them coming back. This article will discuss the importance of customer loyalty and how a business can enhance it over time. We will also talk about Atome and its customer loyalty program called Atome+.</p>



<p>Let’s first look at customer loyalty’s business definition. It is defined as “an ongoing emotional relationship between a business and its customers, manifesting itself by how willing a customer is to engage with and repeatedly purchase from your business versus your competitors. Loyalty is the byproduct of a customer’s positive experience with you and works to create trust.”</p>



<p>Customers who are loyal to one brand are not easily motivated to turn to other competitors. Their decisions are not influenced by pricing or availability. It means they would pay a higher price to enjoy the same product quality or service they love but still not switch to another brand. That&#8217;s customer loyalty and what businesses aspire to achieve.</p>



<h2 class="wp-block-heading">Importance of customer satisfaction and loyalty</h2>



<p>Customer satisfaction is paramount because that is the best way to keep your consumers hooked to your products and services, regardless of the business size. First-time customers are always hard to persuade because they haven&#8217;t experienced what you have to offer. For this reason, a business needs an elaborate marketing funnel to encourage the customer to make a purchase.</p>



<p>However, a consumer who has already shopped from a specific brand is likely to purchase more from it in the future because the brand has already won their trust. Here are a few reasons why customer loyalty is important.</p>



<h3 class="wp-block-heading">Repeat customers spend more freely</h3>



<p>First-time customers always hesitate to invest a considerable amount in a new brand. For this reason, they are cautious with their purchases and keep them limited to a minimum. Once the brand can satisfy them with good products and services, they will likely spend more.</p>



<p>This is different for repeat customers, though. Since they have prior experience with the brand, they spend freely, knowing they will be happy with their investment.</p>



<h3 class="wp-block-heading">Loyal customers have a higher conversion rate</h3>



<p>Whether it&#8217;s a new marketing campaign or the latest promotion or offer, the conversion rate of loyal customers is way higher than new ones. According to research, the average conversion rate of a repeat customer is 60% to 70%, whereas a first-time consumer is only 5% to 20%.</p>



<h3 class="wp-block-heading">It improves profitability</h3>



<p>Since loyal customers are willing to spend more on your brand and have a high conversion rate, too, they are great for your business. The more a brand focuses on the <strong>importance of customer satisfaction</strong>, the higher customer retention rates will be. Business profits increase by 25% to 95% when consumer retention rates are amplified by just 5%.</p>



<h3 class="wp-block-heading">Retaining a return customer is less expensive</h3>



<p>Research shows that encouraging a first-time customer to make a purchase is five times more expensive than retaining an old one. When your customers are loyal to your brand, retaining them will be easier and also cost-effective compared to <strong>low customer loyalty </strong>or acquiring new ones.</p>



<h2 class="wp-block-heading">How to enhance customer loyalty</h2>



<p>Before we discuss how to develop customer loyalty, it is crucial to understand what causes customer loyalty in the first place<strong>.</strong></p>



<p>Customers will choose a brand over others if it can satisfy them with the quality of its products and services. Besides the product itself, how a business engages and interacts with its consumers directly impacts customer satisfaction. Another factor that really helps with winning customer loyalty is customer reward programs.</p>



<p>The following are ways a business can foster customer loyalty.</p>



<ol class="wp-block-list" start="1">
<li><strong>Reward customers with a loyalty program</strong></li>
</ol>



<p>A reward system is the best way to keep your existing customers engaged. A point system is the simplest yet most effective loyalty program that encourages your customers to come back. The idea is simple: customers get points every time they make a purchase. These points can then be redeemed for rewards.</p>



<ol class="wp-block-list" start="2">
<li><strong>VIP tiers</strong></li>
</ol>



<p>People like being called a VIP because it makes them feel important and cared for. Customer behaviour can be influenced by adding VIP tiers for customers who are most loyal. It helps improve loyalty among existing consumers and encourages new ones to engage more with the brand. An excellent example is <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/forever-21">Forever 21</a>, which gives its VIP customers a whopping 50% discount through email campaigns.</p>



<ol class="wp-block-list" start="3">
<li><strong>Personalize your approach</strong></li>
</ol>



<p>A single approach will not work on all your customers because one size doesn&#8217;t fit all. If a brand wants to cultivate customer loyalty, it has to make each customer feel special. By delivering a personalized message at the right time, a company can satisfy different segments of its customer base. The best way to do this is by dividing the customer mailing list according to age, gender, occupation, geographic location, interest, preferences, engagement, etc.</p>



<h2 class="wp-block-heading">Atome+ customer loyalty campaigns</h2>



<p>Headquartered in Singapore with over 15,000 partnered merchants and available in 8 markets, Atome offers its users the choice and convenience of flexible payment options for a variety of products and services. The app allows shoppers to split their purchases across three interest-free monthly payments by scanning a partner retailer’s in-store QR code or upon website checkout. By splitting their payments, Atome users will be able to better manage their budget while making quality products and services more reachable. The brand has recently launched a customer reward program to give back to its loyal customers called <a href="https://www.atome.sg/atome-plus" target="_blank" rel="noreferrer noopener">Atome+</a>.</p>



<p>With Atome+, users get exclusive privileges, shopping points, and exciting rewards. The customer loyalty program is easy-to-understand and aims to enrich users&#8217; shopping experience. </p>



<figure class="wp-block-image size-large"><img data-recalc-dims="1" height="326" width="580" decoding="async" data-attachment-id="12007" data-permalink="https://blog.atome.sg/online-shopping-ideas/customer-loyalty-programs/attachment/22/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/12/22.jpg?fit=1200%2C675&amp;ssl=1" data-orig-size="1200,675" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="How to enhance customer loyalty via smart reward programs" data-image-description="&lt;p&gt;How to enhance customer loyalty via smart reward programs&lt;/p&gt;
" data-image-caption="" data-medium-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/12/22.jpg?fit=300%2C169&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/12/22.jpg?fit=580%2C326&amp;ssl=1" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/12/22.jpg?resize=580%2C326&#038;ssl=1" alt="how to enhance customer loyalty" class="wp-image-12007"/></figure>



<p>Here’s <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/how-it-works">how it works</a>:</p>



<p>Every time an Atome user purchases a product or service, they are awarded points. $1 spent equals 1 point. Therefore, the more they spend, the more points they earn. Now comes the question, what can they do with these points?</p>



<p>The earned points can be used to offset your purchases directly or redeem one of the many vouchers from Atome+ rewards.</p>



<p>You can use a maximum of 12,000 points per month, and these points remain valid for one year. You can keep an eye on the status of your points through Atome&#8217;s app. A good thing about Atome+ is that you can use both vouchers and points in the same transaction as long as point redemption is 30% of the transaction after voucher usage.</p>



<p>If you&#8217;re an existing Atome customer, you will automatically enroll in the Atome+ customer loyalty program. But if you still need to sign up for Atome, download the app (<a href="https://www.atome.sg/get-the-app" target="_blank" rel="noreferrer noopener">Get the app</a>) and register yourself. Downloading the app now gives you <strong>a welcome voucher of $10</strong> that can be used on your first purchase.</p>



<h2 class="wp-block-heading">Simplify your shopping experience with Atome</h2>



<p>Atome makes shopping fun and rewarding. It not only splits your bill into three flexible payments but also allows you to earn points as you go. This means you can manage your monthly budget smartly with monthly payments and also benefit from discounts and rewards with each purchase. Can it get any better than that? Download Atome&#8217;s app today and start shopping with convenience.</p>
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How to enhance customer loyalty with a smart rewards program


<p>Customer rewards program help increase customer engagement and purchases in exchange for benefits. It is a highly popular way for companies to attract customers and keep them coming back. That&#8217;s why it is also termed a customer loyalty program- they encourage your consumers to choose you over other competitors every time.</p>



<h2 class="wp-block-heading">What is a rewards program?</h2>



<p>Customer loyalty programs have existed for many years, and the concept has evolved and improved over the years. There are several ways companies reward their loyal customers, from buy 3 get one free offer to multi-tiered VIP programs.</p>



<p>Depending on the company, its customers, and the industry, some loyalty programs may work better than others. Here are two common types of customer reward programs:</p>



<ol class="wp-block-list" start="1">
<li><strong>Referral Program</strong></li>
</ol>



<p>Referral customer reward programs are simple yet effective. Companies encourage customers to refer their products or services to a potential consumer in return for rewards. The company also offers the referred consumer a discount on their purchase to attract new customers.</p>



<p>So, the referral program benefits both the referred consumer and the customer who sends a friend or family member a referral to your store. How the company rewards its loyal customers would depend on the rewards policy, as it could be in the form of loyalty points or a direct discount.</p>



<p>A referral customer rewards program significantly reduces the company’s cost per customer acquisition and saves expenses that would otherwise be spent on advertisements.</p>



<ol class="wp-block-list" start="2">
<li><strong>Points Program</strong></li>
</ol>



<p>A referral and a points program are usually used in combination. Most referral programs reward their customers through points that can be later used in return for purchases. The purpose of a points program is to motivate customers to shop more and increase purchases.</p>



<p>At the basic level, customers are awarded points for carrying out an activity. It could be anything, depending on what the company wants to achieve with its rewards program. Once a customer has earned a certain amount of points, they can cash it for a reward.</p>



<p>Customers appreciate the points reward program because they can increase their savings with each purchase.</p>



<h2 class="wp-block-heading">Benefits of a rewards program</h2>



<p>When a company proposes a customer loyalty program, it consciously tries to connect with its customers and instills loyalty in them for its brand. It not only benefits the company financially in the long run but also allows its customers to transform their purchases into small savings.</p>



<p>In a world where there are countless ways to shop, an exciting and lucrative rewards program can be the differentiating factor that attracts customers to a brand.</p>



<h2 class="wp-block-heading">Example of a successful rewards program</h2>



<p>As part of its reward program, Apple Inc. has introduced the Apple Card, which is a credit card powered by iPhone. When you purchase something with the card, you get daily cashback that never expires or loses value. It also allows cardholders to buy any Apple product with interest-free monthly payments.</p>



<p>This is how Apple rewards its customers, but it doesn&#8217;t end here because the company values its employees too and makes sure to give back what they deserve for their hard work. Apple employees get a 25% yearly discount on iPods, computers, or iPad. They can use the Apple software at a 50% discount which is impressive. In addition, employees get $250 off an iPad and $500 off a Mac every three years.</p>



<h2 class="wp-block-heading">What is Atome+?</h2>



<p>Headquartered in Singapore with over 15,000 partnered merchants and available in 8 markets, Atome offers its users the choice and convenience of flexible payment options for a variety of products and services. The app allows shoppers to split their purchases across three interest-free monthly payments by scanning a partner retailer’s in-store QR code or upon website checkout. By splitting their payments, Atome users will be able to better manage their budget while making quality products and services more reachable.</p>



<figure class="wp-block-image aligncenter size-full"><img data-recalc-dims="1" loading="lazy" decoding="async" width="180" height="180" data-attachment-id="16164" data-permalink="https://blog.atome.sg/campaign/discover-stunning-nails-for-chinese-new-year-2024/attachment/qr-code/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?fit=180%2C180&amp;ssl=1" data-orig-size="180,180" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="First Order Up To $10 Off! Download Atome!" data-image-description="&lt;p&gt;First Order Up To $10 Off!&lt;br /&gt;
Download Atome!&lt;/p&gt;
" data-image-caption="&lt;p&gt;First Order Up To $10 Off!&lt;br /&gt;
Download Atome!&lt;/p&gt;
" data-medium-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?fit=180%2C180&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?fit=180%2C180&amp;ssl=1" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?resize=180%2C180&#038;ssl=1" alt="First Order Up To $10 Off! Download Atome!" class="wp-image-16164" srcset="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?w=180&amp;ssl=1 180w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?resize=150%2C150&amp;ssl=1 150w" sizes="auto, (max-width: 180px) 100vw, 180px" /><figcaption class="wp-element-caption">First Order Up To $10 Off! 
Download Atome!</figcaption></figure>



<p>Hence, Atome&#8217;s service makes it effortless for shoppers to own things they desire without compromising their monthly budget. All payments are interest-free, and the platform doesn&#8217;t charge users any service fee, making this the perfect <a href="https://www.atome.sg/" target="_blank" rel="noreferrer noopener">BNPL</a> for customers to partner with.</p>



<p>Atome+ is an initiative by the company to provide its users with more convenience and a better shopping experience. It is a rewards program where customers can earn points and get rewarded. Here are the main features of this program:</p>



<ul class="wp-block-list">
<li>Users earn 1 Atome+ point for every $1 spent online and in-store.</li>



<li>Atome users can accumulate points to claim a reward.</li>



<li>They can also use the points earned immediately after checkout.</li>



<li>Users can earn extra points when they shop at selected brands or during bonus campaigns.</li>



<li>They can redeem privileges from top brands or use them to pay off their shopping bills.</li>
</ul>



<h2 class="wp-block-heading">Here is why Atome+ is one of the best loyalty rewards programs</h2>



<p>Check out these reasons that prove Atome+ offers the <strong>best customer rewards programs.</strong></p>



<h3 class="wp-block-heading">It is easy for customers to understand</h3>



<p>The <strong>best loyalty rewards programs</strong> are ones that are easy for customers to understand. If the users can’t figure out how they can earn points or discounts, all efforts go in vain. Fortunately, Atome+ offers a simple reward system that anyone can understand and follow. For every $1 spent in a partner merchant’s store, users earn 1 point. The more they spend, the more points they earn.</p>



<p>If you need clarification regarding how the rewards program works, you can always visit their <a href="https://www.atome.sg/atome-plus" target="_blank" rel="noreferrer noopener">rewards program website</a> to learn more about it.</p>



<h3 class="wp-block-heading">It offers benefits that keep shoppers coming back</h3>



<p>The one thing every shopper looks forward to is discounts and savings, and Atome+ offers both! When you use Atome&#8217;s payment service to pay for your purchases, you are saved from overspending your monthly budget.</p>



<p>Now, with Atome+, you can also get points with every purchase that can be redeemed for discounts. Thus, your total bill reduces, resulting in savings every time you pay with Atome.</p>



<p>So, the more you pay through Atome, the more opportunities you get for savings and availing discounts. It doesn&#8217;t get any better than this!</p>



<h3 class="wp-block-heading">It builds a strong relationship between users and Atome</h3>



<p>Nothing is better than a business that appreciates its customers and rewards them for their loyalty. Atome+ strives to make its customers feel good about supporting the brand through its loyalty program. Rewarding users for purchases is the company’s way of showing that they appreciate your trust and want to retain it.</p>



<h2 class="wp-block-heading">How to use Atome+ for smart shopping</h2>



<p>If you are a registered <a href="https://www.atome.sg/" target="_blank" rel="noreferrer noopener">Atome</a> user, you will be automatically enrolled in Atome+. In case you aren&#8217;t already on the platform, download the app (<a href="https://www.atome.sg/get-the-app" target="_blank" rel="noreferrer noopener">Get the app</a>) and create an account. Once your details are approved, you can start shopping with Atome and earn points through the Atome+ rewards program.</p>



<p>When you select Atome as your payment partner at a merchant&#8217;s store, your bill is split into three parts. You pay the first part at checkout and defer the remaining amount to subsequent months. Simultaneously, you earn points for every $1 spent. So, if your bill amounts to $150, you get 150 Atome+ points.</p>



<p>It is up to you to use the points to discount the same purchase or save it for later use. The points you collect can be used to offset your purchases or redeemed for a wide range of rewards.</p>



<h2 class="wp-block-heading">Save and spend smartly with Atome</h2>



<p>Thousands of users around the world trust Atome because it&#8217;s a reliable service that simplifies a regular shopping experience. Now, with the Atome+ customer loyalty program, you can also <strong>earn reward points</strong> for every $1 you spend. So, download the app now and start shopping- and saving!</p>
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The Best Customer Rewards Program for Smart Shopping


<p>What are the current top fashion trends in Singapore? Top fashion brands understand the importance of aesthetic sense. Consumers purchase branded goods to identify with the brand&#8217;s reputation. Through their purchases, customers seek comfort, happiness, and fulfillment. If you are looking for a similar shopping experience, head to <a href="https://www.atome.sg/paylater-merchants/shein"><strong>SHEIN</strong></a>, one of the top fashion brands that stand out from the crowd.</p>



<p>It is a premium and trustworthy shopping brand where you can find a range of products with positive reviews. The products at SHEIN are highly reliable, and the overall experience is pleasant and stress-free.</p>



<p>Despite being a local boutique fashion line, SHEIN is among the top fashion brands in Singapore. SHEIN&#8217;s latest capsule collection for girls combines sleek designs and bright color block patterns for everyday wear. If you also want to drape trendy clothes and flaunt a classy look, then explore SHEIN’s online store today.</p>



<p>Whether you are looking for small statement bags, wallets, jewelry, clothing, or any other accessory, SHEIN is there for your every need! If you are a fashionista and love to stay ahead in fashion, then the new arrivals of SHEIN is a must-check.</p>



<p>This article is for you if you are looking for new fall/winter styling ideas, clothing recommendations, and a brief guide about the upcoming trendy looks. Follow the Singapore fashion brands to get a fresh look.</p>



<p>You can find many clothes and accessories at affordable prices that enhance your look and gracefully represent your personality. Whether it is classic denim, vibrant color-blocked dresses, or cozy leather jackets, you can find many preppy styles at a reliable store like SHEIN.</p>



<p>Moreover, for the fall/winter collection, you can get some long-top leather boots, thick-sleeved sneakers, or warm cushioned joggers.</p>



<h2 class="wp-block-heading">Color Blocking is among the top fashion trends.</h2>



<p>In 2022, you will find color blocking everywhere, from social media to parades. This trend is so significant and admired that people want to have at least one of them in their wardrobe.</p>



<p>Color block dresses&nbsp;and accessories never go out of style and can be worn with almost everything. The vibrant hues and statement designs make them the perfect casual wear that always looks chic.</p>



<p>In addition to being fashionable, color blocking has another benefit: it makes the body look slimmer than in other dresses. It usually happens when colors are paired with darker shades or color spots.</p>



<p>We are not just stopping here with one fabric fashion trend. Yes, we will explore more real-time trends in Singapore, such as denim-style dresses, leather dresses, and other clothing accessories.</p>



<h2 class="wp-block-heading">The craze for Double Denim in 2022</h2>



<p>Is it deemed weird to have double denim on any occasion? Well, not anymore. Denim on denim was formerly a significant fashion faux pas, but the style has grown in popularity in recent years.</p>



<p>Denim jackets are ageless, which is why double denim is currently experiencing a significant fashion moment. They are available in different washes. The durability of denim and its beautiful colors make it the best choice.</p>



<p>You can wear denim in a variety of ways. That&#8217;s the reason we like how it merges several common aesthetic options. Some people feel a denim jacket may only be worn with long trousers. However, you can wear jeans of any length and style with a denim jacket. In the fall, denim shorts&nbsp;and skirts look uber-chic as well.</p>



<h2 class="wp-block-heading">Leather is Back in style among the top fashion trends</h2>



<p>In 2022, the black leather was a widespread trend on the streets. The same elegance will dominate the fall of 2022 and the winter of 2023. This season, black leather&nbsp;jackets, skirts, boots, purses, and even fingerless gloves are all in today&#8217;s mode. Now that we know that denim and leather outfits give a preppy look, let&#8217;s look at some must-have accessories.</p>



<h2 class="wp-block-heading">Small Statement Bags</h2>



<p>This fall, small statement bags will be the entire vogue. Even though the bags are quite small, as their name implies, they are much smaller than we have seen in recent years. In addition to being sleek and neutral in color, they are ideal for a perfect look. Moreover, these small bags enhance your overall persona.</p>



<h2 class="wp-block-heading">SHEIN is Atome’s fashion partner</h2>



<p>Atome is a <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/">BNPL</a> that allows its users to pay their shopping bills through flexible monthly payments. It has over 15,000 partner merchants across fashion, lifestyle, education, home, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/resource/travel/page/1">travel</a>, and more. <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/shein">SHEIN</a> is also one of Atome&#8217;s fashion partners, so you can shop for your winter wardrobe without worrying about significant upfront payments.</p>



<figure class="wp-block-image size-large"><img data-recalc-dims="1" height="398" width="580" decoding="async" data-attachment-id="11982" data-permalink="https://blog.atome.sg/online-shopping-ideas/top-fashion-trends/attachment/%e6%88%aa%e5%b1%8f2022-11-24-%e4%b8%8b%e5%8d%888-53-13/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/%E6%88%AA%E5%B1%8F2022-11-24-%E4%B8%8B%E5%8D%888.53.13.png?fit=1276%2C876&amp;ssl=1" data-orig-size="1276,876" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="截屏2022-11-24-下午8.53.13" data-image-description="" data-image-caption="" data-medium-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/%E6%88%AA%E5%B1%8F2022-11-24-%E4%B8%8B%E5%8D%888.53.13.png?fit=300%2C206&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/%E6%88%AA%E5%B1%8F2022-11-24-%E4%B8%8B%E5%8D%888.53.13.png?fit=580%2C398&amp;ssl=1" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/%E6%88%AA%E5%B1%8F2022-11-24-%E4%B8%8B%E5%8D%888.53.13.png?resize=580%2C398&#038;ssl=1" alt="Shein leads top fashion brands in singapore" class="wp-image-11982"/></figure>



<h2 class="wp-block-heading">Why Atome is the perfect payment service</h2>



<p>Headquartered in Singapore with over 15,000 partnered merchants and available in 8 markets, Atome offers its users the choice and convenience of flexible payment options for a variety of products and services. The app allows shoppers to split their purchases across three interest-free monthly payments by scanning a partner retailer’s in-store QR code or upon website checkout. By splitting their payments, Atome users will be able to better manage their budget while making quality products and services more reachable.</p>



<p>If you want to benefit from Atome&#8217;s interest-free monthly payment plans, download the app (<a href="https://www.atome.sg/get-the-app" target="_blank" rel="noreferrer noopener">Get the app</a>) and create your account. Once your details are verified, you can immediately shop from your favorite Atome stores. Get the app now to avail a welcome voucher of $10 for your first purchase.</p>



<h3 class="wp-block-heading">How to pay at SHEIN online store with Atome</h3>



<ol start="1" class="wp-block-list">
<li>Select Atome as your payment partner when checking out of the store.</li>



<li>Enter your account credentials when redirected.</li>



<li>Pay one part of your SHEIN bill and defer the remaining amount to subsequent months.</li>
</ol>



<h2 class="wp-block-heading">Preppy Style for the Fall/Winter 2022</h2>



<p>Finding the perfect clothes for the fall/winter season takes work. In such cases, it is better to get reliable and neutral color outerwear such as leather jackets and denim that will suit every vibrantly bold or decent inner shirt. </p>



<p>Partner with Atome to shop for your winter wardrobe so you can enjoy premium clothing in an affordable way. In the long run, it&#8217;s worthwhile to follow the top fashion trends. </p>
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Follow the top fashion trends for a new look


<p>Adequate layering is the best way to stay warm during the cold season. From underwear to insulating apparel and outerwear –it’s crucial to wear appropriate winter wear to truly enjoy this time of the year.</p>



<p>This article will serve as your ultimate guide to buying the right winter clothes this year. We will also introduce the <a href="https://www.atome.sg/">BNPL</a> service of <a href="https://www.atome.sg/">Atome</a> so you can shop for the right apparel without stressing about hefty payments. With Atome, you can divide your bill into three payments and pay them while you flaunt fashionable and cozy winter looks.</p>



<p>Let&#8217;s find out what you need for your winter wardrobe this year.</p>



<h2 class="wp-block-heading">How to layer winter wear for maximum protection against cold winds</h2>



<p>We all love the winters until we start freezing –this is why you must be equipped with proper attire to brave subzero temperatures.</p>



<p>Wearing the right layers means a three-piece outfit consisting of a base layer, a middle layer, and an outer layer. This clever layering technique allows you to create chic looks without compromising warmth and comfort.</p>



<p>Here is a glimpse at how each layer works in your favor.</p>



<h3 class="wp-block-heading">The base layer keeps you sweat-proof</h3>



<p>The base layer comprises a close-fitting undershirt. The aim of an undershirt is to absorb sweat and keep your skin dry. If you&#8217;re wondering why you need a sweat-proof shirt, you should know that some people sweat excessively, even in cooler temperatures. This condition is called hyperhidrosis, which can lead to hypothermia in winter if the skin remains damp and cold.</p>



<p>The base layer should fit snugly around your body, but it should not be too tight. This apparel essential keeps you from becoming chilled or, worse –hypothermic. You can find a variety of fabric options, including synthetics like nylon and polyester or natural materials like silk and merino wool. Each fabric has different properties when it comes to odor retention and durability.</p>



<h3 class="wp-block-heading">The middle layer keeps you warm</h3>



<p>You can think of the middle layer as one that insulates you from the cold. It traps body heat and helps you stay warm regardless of the chilly weather outside. The more efficiently this layer traps the heat, the warmer you will feel.</p>



<p>When buying base layers, you will again find plenty of options in both synthetic and natural materials. Usually, the thicker or puffier the layer, the warmer it will be. Some common middle-layer materials include wool and polyester fleece. Down and synthetic insulated jackets are also excellent choices if you’re searching for an insulating layer.</p>



<h3 class="wp-block-heading">The outer layer protects you from wind and rain</h3>



<p>No matter the number of clothing layers you wear, if they cannot withstand heavy rain, they will end up getting wet. Therefore, you need a final layer to protect you from strong cold winds and rain, and that&#8217;s where the outer layer comes to the rescue.</p>



<p>The outer layer is also referred to as the shell layer because of the way it functions. From expensive mountaineering jackets to basic wind-resistant jackets, there are different options that you can try. Regardless of your choice, almost all of them are treated with a durable water-repellent (DWR) finish to make water slide off the fabric.</p>



<p>There are four types of outerwear that you can buy according to your requirements:</p>



<ul class="wp-block-list">
<li>Waterproof/ breathable shells</li>



<li>Water-resistant/ breathable shells</li>



<li>Waterproof/ nonbreathable shells</li>



<li>Soft shells</li>
</ul>



<h2 class="wp-block-heading">Where can you buy winter wear layering?</h2>



<p>Many stores offer various options for winter wear layering, but it&#8217;s important to select high-quality and durable ones. Most of the time, the pricier ones provide better value for money because they last for a longer time.</p>



<p>Here are our picks for formal and casual winter outfits:</p>



<h3 class="wp-block-heading">The North Face</h3>



<p><a href="https://www.atome.sg/paylater-merchants/the-north-face">The North Face</a> is an authentic apparel store serving major fashion goals since 1966. The first choice of athletes and modern-day explorers, the brand offers a variety of high-quality products to meet your everyday wardrobe needs.</p>



<p>You can find all three-layer options at <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/the-north-face">The North Face</a> –from base-layer T-shirts and leggings to insulated vests, winter jackets, parkas, winter boots, and more.</p>



<figure class="wp-block-image size-large"><img data-recalc-dims="1" height="326" width="580" decoding="async" data-attachment-id="11974" data-permalink="https://blog.atome.sg/online-shopping-ideas/winter-wear-layering/attachment/image-15-2/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-15.png?fit=1375%2C774&amp;ssl=1" data-orig-size="1375,774" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="image-15" data-image-description="" data-image-caption="" data-medium-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-15.png?fit=300%2C169&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-15.png?fit=580%2C326&amp;ssl=1" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-15.png?resize=580%2C326&#038;ssl=1" alt="north face winter jacket" class="wp-image-11974"/></figure>



<h3 class="wp-block-heading">ZARA</h3>



<p><a href="https://www.atome.sg/paylater-merchants/zara">ZARA</a> is a renowned fashion label that has dominated the streets for many years. It is one of the largest international companies that offer the latest trends every week. If you are fashion-conscious and want to stay ahead of new trends, ZARA is the right apparel store for you.</p>



<p>The layering options at ZARA are virtually limitless. You can quickly build an outfit by pairing different winter clothes in stores. They have various styles in gilets, sweatshirts, sweaters, cardigans, overshirts, tracksuits, and blazers to cover casual to formal looks.</p>



<figure class="wp-block-image size-large"><img data-recalc-dims="1" height="386" width="580" decoding="async" data-attachment-id="11976" data-permalink="https://blog.atome.sg/online-shopping-ideas/winter-wear-layering/attachment/image-16-2/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-16.png?fit=1440%2C959&amp;ssl=1" data-orig-size="1440,959" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="image-16" data-image-description="" data-image-caption="" data-medium-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-16.png?fit=300%2C200&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-16.png?fit=580%2C386&amp;ssl=1" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-16.png?resize=580%2C386&#038;ssl=1" alt="zara winter jacket" class="wp-image-11976"/></figure>



<h3 class="wp-block-heading">Atome’s fashion partners: The North Face and ZARA</h3>



<p>Whether you want to buy a North Face winter jacket or invest in a <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/zara">ZARA</a> winter jacket, there’s an easier way to pay for your purchases: Atome!</p>



<h2 class="wp-block-heading">What is Atome?</h2>



<p>Headquartered in Singapore with over 15,000 partnered merchants and available in 8 markets, Atome offers its users the choice and convenience of flexible payment options for a variety of products and services. The app allows shoppers to split their purchases across three interest-free monthly payments by scanning a partner retailer’s in-store QR code or upon website checkout. By splitting their payments, Atome users will be able to better manage their budget while making quality products and services more reachable.</p>



<p>Atome is a reliable service trusted by customers across the globe. Its highly functional app and transparent payment policies are much appreciated by users. You can become part of its network, too, simply by creating an account on Atome&#8217;s app (<a href="https://www.atome.sg/get-the-app" target="_blank" rel="noreferrer noopener">Get the app</a>). Download the app now for a welcome voucher of $10 that can be used for your first purchase.</p>



<h3 class="wp-block-heading">How to pay with Atome at physical stores</h3>



<ol start="1" class="wp-block-list">
<li>Download the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/get-the-app">Atome app</a> and sign up.</li>



<li>Verify your payment details.</li>



<li>Once your account is approved, scan the QR code from Atome’s app when checking out of a partner store.</li>



<li>Pay the first part of your bill and defer the remaining amount to the following two months.</li>



<li>Enjoy your purchase!</li>
</ol>



<h2 class="wp-block-heading">Get all your winter layering essentials with Atome</h2>



<p>Shopping for your winter wardrobe can be expensive, especially with the high prices of quality products. But thanks to Atome and its flexible payment options, you can conveniently build your winter wardrobe from the base layer to outerwear. From <a href="https://www.atome.sg/paylater-merchants/calvin-klein">Calvin Klein</a> underwear to <a href="https://www.atome.sg/paylater-merchants/hush-puppies">Hush Puppies</a> and <a href="https://www.atome.sg/paylater-merchants/zara">ZARA</a> winter coats, <a href="https://www.atome.sg/">Atome</a> empowers you to own anything you desire.</p>
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A Foolproof Guide to the Layering of Winter Wear


<p>Travel insurance is a significant investment that any traveler can make once they plan to travel. A solid insurance policy can help you avoid travel risks, medical risks, as well as flight disruptions. This article will explore the importance of travel insurance and how to pick the right coverage for maximum benefit.</p>



<h2 class="wp-block-heading">4 Reasons why travel insurance is crucial</h2>



<p>Consider the following reasons if you&#8217;re still wondering whether you need travel insurance before your planned trip.</p>



<ol start="1" class="wp-block-list">
<li>A travel insurance policy offers coverage against medical emergencies to a certain limit. Fortunately, most policies don&#8217;t discriminate between types of medical emergencies and reimburse costs up to a particular limit. Some insurance companies also have a list of network hospitals where you can get treated.</li>



<li>It covers various travel risks, including the theft or loss of a passport, personal belongings and checked-in baggage, etc. Financial compensation allows you to travel stress-free.</li>



<li>The travel insurance policy also covers financial losses in case your flight is canceled for any reason. Similarly, you will receive compensation for disruptions that may cause you to cancel your visit or curtail it for unforeseen reasons.</li>



<li>Being insured by a reliable company means you’re not alone in your travels should you encounter any problems. Insurance companies provide all kinds of assistance, including locating a network hospital to get treated or helping you to file your claims correctly.</li>
</ol>



<h2 class="wp-block-heading">How to choose the right travel insurance coverage</h2>



<p>Some think travel insurance is valuable for big-ticket trips such as safaris, luxury cruises, or multi-city international travel. It can also be helpful if you plan for short-distance travel. Several insurance companies offer insurance for safer journeys, so it can take time to determine which one is right for you.</p>



<p>You should remember that all policies don&#8217;t cover everything in all situations or in all countries. Therefore, you must be mindful of your travel needs when choosing a travel insurance policy. Here are a few factors you should always consider to assess the cover you need.</p>



<h3 class="wp-block-heading">Your travel destination</h3>



<p>Some insurance policies cover specific destinations, while others are worldwide. The cost of insurance and level of coverage will depend on the location you&#8217;re traveling to. Since risks in some countries may be higher than in others, the insurer may charge you differently and compensate you to a certain limit.</p>



<p>You should always choose a policy that covers you for all the countries you plan to visit, including transits and layovers. Be wary of current issues and risks, including the Covid-19 virus status of your travel destination. You will need to ensure that the insuring company offers Covid travel insurance.</p>



<p>You should check if your destination’s advice level is ‘Do not travel’ in the insurance policy and also stay updated about any changes in the advice level.</p>



<h3 class="wp-block-heading">The trip’s duration</h3>



<p>Travel insurers will quote costs based on the days you will be away from home. So if you&#8217;re planning a quick trip, you will be good to go with a one-off travel insurance policy. However, an annual multi-trip policy may offer you better value for money if you plan to travel more often.</p>



<p>In the case of traveling abroad to reside or work, you might not be covered by most policies. Therefore, determine how many days you plan to travel and its frequency before choosing an insurance policy.</p>



<h3 class="wp-block-heading">Your planned activities</h3>



<p>Different policies cover various activities, and most insurers exclude things like skiing or going on a cruise from their standard policies. If an insurance provider doesn&#8217;t offer cover for common activities, you may need to pay extra to ensure what you plan to do on the trip.</p>



<p>You should always read the policy&#8217;s fine print to check what activities are included and excluded from your insurance. In addition, check how each activity is defined because climbing a mountain after a certain altitude might be considered mountain climbing.</p>



<h3 class="wp-block-heading">Your age and health</h3>



<p>Your age and health conditions will affect the type of travel insurance policy you&#8217;ll need and the amount it will cost you. Always disclose any existing health concerns to your insurer and ensure that the policy covers that condition.</p>



<p>Sometimes insurance providers may ask for a health assessment. Therefore, you should always ask beforehand whether your condition will be covered automatically or if you will need an evaluation for coverage.</p>



<p>Most policies have age limitations, so make sure you don&#8217;t need to pay anything extra for a cover.</p>



<h3 class="wp-block-heading">Your travel belongings</h3>



<p>Since insurance providers offer compensation for theft or loss of personal belongings, you must make sure what you’re taking with you on the trip is covered by the policy. Expensive items usually cost more to insure as the risk is higher.</p>



<p>Policies usually have a compensation limit on the value of each item, but if you want additional cover, you may need to pay more. Reading the fint print of the policy is extremely crucial. You should check the limits on your baggage cover and find out how much it will cost you in total if you need to pay for extra cover.</p>



<figure class="wp-block-image size-full"><img data-recalc-dims="1" loading="lazy" decoding="async" width="580" height="224" data-attachment-id="11968" data-permalink="https://blog.atome.sg/online-shopping-ideas/travel-insurance-singapore/attachment/image-14-3/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-14.png?fit=959%2C370&amp;ssl=1" data-orig-size="959,370" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="image-14" data-image-description="" data-image-caption="" data-medium-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-14.png?fit=300%2C116&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-14.png?fit=580%2C224&amp;ssl=1" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-14.png?resize=580%2C224&#038;ssl=1" alt="travel insurance Singapore" class="wp-image-11968"/></figure>



<h3 class="wp-block-heading">Take your time comparing insurance policies</h3>



<p>There are various travel insurance providers, which means you have plenty of options to decide from. Find out what each policy covers and how much coverage you will get. Compare that with your travel needs to determine the best choice for you.</p>



<p>Remember to check customer reviews and explore other people&#8217;s experiences with the service.</p>



<h2 class="wp-block-heading">Single or annual trip insurance plans – which one is better for you?</h2>



<p>There are two types of travel insurance policies that you can choose from a single trip and annual plans.</p>



<p>Single-trip insurance works better for short one-off plans. So, if you&#8217;re going on a short trip for a specific length of time and returning home later, this option is better for you. Remember that the price of your policy will depend on the cost of the trip.</p>



<p>Annual or long-term plans are better suited for people planning to go on multiple trips. While these policies cover all your trips, there is a limitation on how many trips you can take, their duration, and if you can return home during your travels.</p>



<p>In addition, most annual policies don&#8217;t offer cover for trip interruption or cancellation. If they do, they are capped at an amount significantly below the trip&#8217;s total cost.</p>



<p>Multi-trip insurance plans are ideal if you often travel, but if you aren&#8217;t a frequent traveler, a single-trip plan will provide you with better insurance coverage.</p>



<h2 class="wp-block-heading">Plan your next trip with Agoda</h2>



<p>Travel insurance coverage is necessary for a stress-free travel experience, but do you know what else can make your trip extraordinary? A travel agency that offers the best hotels and flights at affordable prices.</p>



<p>Agoda is a reliable travel partner that delivers affordable and enjoyable <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/resource/travel/page/1">travel</a> experiences every time. From the time you start planning your journey to your return flight, Agoda has you covered with a hassle-free and seamless service.</p>



<p>The company has millions of registered customers who trust <a href="https://www.atome.sg/paylater-merchants/agoda" target="_blank" rel="noreferrer noopener"><strong>Agoda</strong></a> to plan their trips for them. It has 16 years of experience in the travel industry and has the best booking partners. Now, with Agoda’s app, you can quickly search and book travel destinations whenever and wherever you want.</p>



<h3 class="wp-block-heading">Agoda is one of Atome’s partner merchants</h3>



<p>Atome is a buy-now-pay-later service that aims at simplifying the traditional shopping experience. It has over 15,000 partner merchants, including Agoda, so if you plan to book your next trip with the company, Atome can help you split your bill into three monthly payments.</p>



<p>Let&#8217;s explore more about how Atome&#8217;s payment service works.</p>



<h2 class="wp-block-heading">What is Atome?</h2>



<p>Headquartered in Singapore with over 15,000 partnered merchants and available in 8 markets, Atome offers its users the choice and convenience of flexible payment options for a variety of products and services. The app allows shoppers to split their purchases across three interest-free monthly payments by scanning a partner retailer’s in-store QR code or upon website checkout. By splitting their payments, Atome users will be able to better manage their budget while making quality products and services more reachable.</p>



<p>Download the app (<a href="https://www.atome.sg/get-the-app" target="_blank" rel="noreferrer noopener">Get Atome’s app</a>) and register an account to get started. As soon as your payment details are verified, you can shop from any partner store you like. If you download the app now, you get a welcome voucher of $10 that can be used on your first purchase.</p>



<h3 class="wp-block-heading">How to pay at Agoda with Atome</h3>



<ol start="1" class="wp-block-list">
<li>Scan the QR code from Atome’s app for in-store purchases.</li>



<li>For online bookings, select Atome as your payment partner at checkout.</li>



<li>Enter your user credentials when redirected.</li>



<li>Pay part of your bill and defer the remaining payment.</li>
</ol>



<h2 class="wp-block-heading">Choose Agoda for a stress-free trip</h2>



<p>The best way to plan a relaxing trip is to get travel insurance in advance and book your travel flights with a reliable service provider. Take your time choosing the ideal insurance coverage and partner with Agoda for hassle-free bookings. Don&#8217;t worry about the cost because Atome has you covered with its interest-free and flexible payment plans.</p>



<p>So, book your dream destination with <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/agoda">Agoda</a> now!</p>
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Tips for booking travel insurance for a hassle-free trip


<p>Packing for a winter holiday? Want any types of fabric to prepare for the coming winter? You may think you&#8217;ll have to put on a bulky outfit with layers upon layers—but there are a couple of hacks to ensure you stay warm yet stylish. The trick is to know what fabric to wear. Just because you&#8217;re wearing several layers doesn’t mean you are perfectly warm. Different types of fabrics keep you warm differently, so you should know what works and what doesn&#8217;t. </p>



<h2 class="wp-block-heading">Types of fabric you should know</h2>



<ol class="wp-block-list" start="1">
<li>Flannel</li>
</ol>



<p>You&#8217;ve probably heard of flannel shirts and jackets, and there&#8217;s a good reason these staple fabrics. Flannel is a soft, woven fabric. Most sleepwear is made of it, but it&#8217;s also a common material for winter clothes. It&#8217;s made of wool, cotton, or synthetic fibre.</p>



<p>One winter must-have is a thick flannel jacket that will get you through the worst temperatures. You can get a neutral colour so that you can match it with most of your outfits. Black is a classic, but a sandy nude will also work.</p>



<p>You could also make a statement if you get a bright colour—something like red would be eye-catching. The point is that just one jacket will ensure you&#8217;re warm without looking bulky, and you can even wear a cropped jacket with tights.</p>



<ol class="wp-block-list" start="2">
<li>Wool</li>
</ol>



<p>Who doesn’t know about Christmas sweaters? If you think of warm fabrics, wool is the first thing that comes to mind. But not everyone wants to wear them because they have no silhouette, but the thing is that even something that looks relatively thin can keep you very warm.</p>



<p>Even a slim-fit sweater looks impressive, and wearing a wool dress with tights and boots is an outfit that can&#8217;t go wrong. Wool fabric<strong>s</strong> are a staple for any winter wardrobe.</p>



<ol class="wp-block-list" start="3">
<li>Cashmere</li>
</ol>



<p>Cashmere often gets confused for wool, but it&#8217;s pretty different. Cashmere can sometimes be expensive, but it&#8217;s much warmer than other fabrics. A cashmere sweater is perfect for braving the winter winds, and layering it with a coat makes for the perfect outfit.</p>



<p>If you want to play with fabrics, then layer any other coat with a cashmere scarf to ensure that your neck is warm. There are several ways to style and tie a scarf too.</p>



<ol class="wp-block-list" start="4">
<li>Fleece</li>
</ol>



<p>Another winter staple is a fleece. It’s a relatively lightweight material that’s loved for its anti-perspiration properties. You might think it&#8217;s wool, but it&#8217;s made of polyester, which is why it&#8217;s so commonplace. It&#8217;s even used for bedding, and fleece blankets are perfect for winter.</p>



<p>The material also makes for a great clothing material, and a fleece jacket makes for a great piece. And the best thing is that since it&#8217;s not too pricey, you can get several jackets in every style and colour. But to build your wardrobe right, start from neutrals and basics like black, white, and brown because they&#8217;re colours that work with everything. We&#8217;d also recommend the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/nike">Nike</a> tech fleece technology, which was developed for special insulation—so even a comfy tracksuit looks good if you&#8217;re going for a laidback style.</p>



<ol class="wp-block-list" start="5">
<li>Tweed</li>
</ol>



<p>The final material on our list is tweed. Gone are the days when it was just for professors. Now it&#8217;s a whole look you can rock, especially with preppy glasses. A tweed jacket is a statement piece for an academic aesthetic. The best part about tweed is that it&#8217;s sturdy, so you can go for a stiff silhouette.</p>



<figure class="wp-block-image size-full"><img data-recalc-dims="1" loading="lazy" decoding="async" width="580" height="348" data-attachment-id="11939" data-permalink="https://blog.atome.sg/online-shopping-ideas/types-of-fabric-cozy-winter/attachment/image-13-3/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-13.png?fit=1000%2C600&amp;ssl=1" data-orig-size="1000,600" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="image-13" data-image-description="" data-image-caption="" data-medium-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-13.png?fit=300%2C180&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-13.png?fit=580%2C348&amp;ssl=1" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-13.png?resize=580%2C348&#038;ssl=1" alt="types of fabric" class="wp-image-11939"/></figure>



<h2 class="wp-block-heading">Atome’s fashion partners to get types of fabric</h2>



<p>Atome has over 15,000 partner merchants across fashion, lifestyle, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/resource/travel/page/1">travel</a>, home, and more. Since we are on the topic of fashionable winter wear, here are two stores perfect for stocking winter staples.</p>



<h3 class="wp-block-heading">The North Face</h3>



<p>The North Face is one the biggest athletic and sportswear brands, and you&#8217;ll find all sorts of high-quality clothes at their stores, whether you want clothes for your hike or warm winter clothes that&#8217;ll ensure you&#8217;re great even in extreme weather.</p>



<h3 class="wp-block-heading">Zara</h3>



<p><a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/zara">Zara</a> is a staple fashion brand, whether you want formal wear or casual outfits. But you&#8217;ll also find warm winter clothes, wool sweaters, or tweed blazers. Shopping at any store will prepare you for winter with stylish outfits.</p>



<p><a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/the-north-face">The North Face</a> and Zara are both Atome&#8217;s partner merchants, which means shoppers can buy their favourite products from their stores without stressing about hefty upfront payments. If you&#8217;re planning to update your winter wardrobe, Atome is an excellent payment option. Let&#8217;s explore more about this payment service.</p>



<h2 class="wp-block-heading">What is Atome?</h2>



<p><a href="https://www.atome.sg/" target="_blank" rel="noreferrer noopener">Atome</a> is a Singapore-based company that operates in 8 markets, including Malaysia, Indonesia, Hong Kong, Vietnam, Mainland China, Thailand, and the Philippines. Since it has an extensive list of partner merchants, Atome users can benefit from a large variety of high-quality products and services through a single payment platform.</p>



<p>Atome empowers shoppers by allowing them to pay in three parts instead of one. They can split their bill from any of Atome&#8217;s partner merchant stores into three payments. The first one is paid at the time of purchase, while the other two are deferred to the following months. Therefore, Atome users can pay their total bill over two months instead of at the time of purchase.</p>



<p>You can join Atome&#8217;s platform, too, by signing up for the service through its app (<a href="https://www.atome.sg/get-the-app" target="_blank" rel="noreferrer noopener">Get Atome’s app</a>). If you download the app now, you even get a welcome voucher of $10 that can be used on your first purchase.</p>



<h3 class="wp-block-heading">How to pay with Atome for in-store purchases</h3>



<ol class="wp-block-list" start="1">
<li>Scan the QR code from Atome’s app at the time of checkout.</li>



<li>Enter your user details if redirected.</li>



<li>Pay the 1st part of your in-store bill and forward the remaining amount to subsequent months.</li>
</ol>



<h2 class="wp-block-heading">Get cosy this winter with Atome</h2>



<p>Winter is a beautiful time of the year, but you can only enjoy it if you are warm and comfortable. Shop for the comfiest fabrics at The North Face and Zara&#8217;s stores, and remember to pay with Atome to enjoy interest-free monthly payments.</p>
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Get the right types of fabric for your winter holiday


<p>Fashion style changes every season, and a new trend dominates the internet every few months, if not weeks. But colour-blocking is one style we&#8217;ve seen making a comeback over and over again. The last time it showed up on runways was back in the summer 2019 collections, and it&#8217;s all the rage again.</p>



<p>And there&#8217;s no secret why. Colour-blocking looks like it&#8217;s not for everyone, but it&#8217;s so popular because it gives people a chance to showcase their individuality, and the sky&#8217;s the limit. The entire colour spectrum is open, whether it&#8217;s bright neons, light pastels, or muted neutrals.</p>



<p>But it’s like a science. An outfit isn’t going to look good just because you shopped from the top fashion brands. You have to make sure there&#8217;s a sense of cohesiveness, even if it&#8217;s not clear from the get-go. Of course, you could visit a fashion shop and get a personal stylist to help you, but it&#8217;s actually easy if you keep some things in mind.</p>



<p>This article will reveal how to rock a colour-blocked outfit in your daily life.</p>



<h2 class="wp-block-heading">Fashion Style: Mix and Match Contrasting Colours</h2>



<p>The biggest defining component of colour-blocking is creating an outfit using wide blocks of colour using those on opposite ends of the colour wheel. If you&#8217;re unsure how to work with it, you could even use a <strong>colour picker</strong> on the internet.</p>



<h3 class="wp-block-heading">Matching Bright Colours</h3>



<p>Any colour wheel on the internet will let you explore some of the best colour combinations. There&#8217;s orange against blue or yellow against purple. They might seem like a weird colour match, but you&#8217;ll be surprised by how well they work together as long as you wear them right.</p>



<p>One rule is that you should use two or a maximum of three colours in your outfit while colour-blocking, or it&#8217;ll get messy. There need to be clear blocks that attract attention rather than a random mix of colours.</p>



<h3 class="wp-block-heading">Mixing in Pastels</h3>



<p>Colour-blocking started with bright and neon colours, but it&#8217;s come a long way. Now, people mix in pastels for a different look. One idea is to keep one piece of clothing, either the lower or upper garment, as a bright colour and make the other a pastel.</p>



<h3 class="wp-block-heading">Mixing in Neutrals</h3>



<p>Neutrals usually took a backseat in this fashion style and were used to define the lines between the colours. But now, people mix them with a bright colour for a more muted look. Mixing one bright colour, pastel shades, and neutral tones makes for a great outfit.</p>



<h2 class="wp-block-heading">Playing with Textures and Fabrics</h2>



<p>Colours aren&#8217;t the only way to elevate your look. If your skirt is tight, go with a feathery or silk blouse; if you have a patterned dress, go for a long leather coat. Mixing textures and patterns add personality to your outfit.</p>



<p>The same applies to fabrics: velvet, silk, chiffon, or faux fur. Each makes a statement, so all you need to do is find what works for you. If the rest of your outfit is bright, you could also soften the look with a pastel outer garment.</p>



<h2 class="wp-block-heading">Accessorizing with a Pop of Colour</h2>



<p>When in doubt, accessorize. Of course, there are classic gold and silver options, but that&#8217;s not what colour-blocking is about. If the rest of your outfit is relatively simple, you can apply the fashion style using your accessories.</p>



<p>Remember that it’s all about the colour scheme. You want around two bright colours, so you could go for a bright skirt but muted blouse, then play it up with a loud necklace or big earrings. Don&#8217;t overdo it, and one statement piece is enough.</p>



<p>Three nice colour combinations are purple with yellow, red with green, and orange with blue. But that&#8217;s just the start, you can change the shades, and there are endless possibilities once you get the hang of it. All you need is a bigger colour <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/resource/wheel/page/1">wheel</a>. You can draw a triangle at three points to figure out the best matches.</p>



<p>Remember that there&#8217;s no end to what you can do. If you have a bright dress, make your accessories another colour. Mix up fabrics, and add texture. Colour-blocking is a great way to showcase your individuality in a classy manner, and it&#8217;s all in science.</p>



<p>As long as you pick and choose your colours right, you won&#8217;t go wrong with this. But remember to have fun with your clothes, because they&#8217;re a big part of you.</p>



<h2 class="wp-block-heading">ZALORA &#8211; The Ultimate Fashion Style Store</h2>



<p>Staying on top of trends all the time can be challenging, especially if you don&#8217;t follow fashion news and shows. Fortunately, there&#8217;s an easier way to stay updated on the latest fashion trends of the season: ZALORA- your ultimate fashion store.</p>



<figure class="wp-block-image size-full"><img data-recalc-dims="1" loading="lazy" decoding="async" width="580" height="204" data-attachment-id="11932" data-permalink="https://blog.atome.sg/online-shopping-ideas/fashion-style-color-match/attachment/image-12-3/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-12.png?fit=996%2C350&amp;ssl=1" data-orig-size="996,350" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="image-12" data-image-description="" data-image-caption="" data-medium-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-12.png?fit=300%2C105&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-12.png?fit=580%2C204&amp;ssl=1" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-12.png?resize=580%2C204&#038;ssl=1" alt="follow fashion style with Zalora" class="wp-image-11932"/></figure>



<p>The philosophy behind ZALORA&#8217;s creation is simple: fashion is for everyone and what you wear is your way of self-expression. It is one of Asia&#8217;s largest online fashion destinations that hosts a variety of high-quality brands under its roof.</p>



<p>ZALORA makes shopping effortless by bringing its consumers an extensive collection of local and international brands and designers, so you&#8217;re never out of trendy options. In addition, ZALORA offers its users multiple payment options so they can choose one that’s most convenient for them.</p>



<h3 class="wp-block-heading">ZALORA is one of Atome’s partnered merchants</h3>



<p>Atome is a payment platform that enables shoppers to divide their bills into three parts and pay them through interest-free monthly payments. ZALORA has partnered with Atome to facilitate shopping and enable shoppers to buy what they love. Shop at ZALORA to find the latest trends and statement pieces that will make you stand out in a crowd. Select Atome to pay at <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/zalora">ZALORA</a> and enjoy interest-free monthly payments.</p>



<h2 class="wp-block-heading">What is Atome?</h2>



<p>Atome is a <a href="https://www.atome.sg/" target="_blank" rel="noreferrer noopener">buy-now-pay-later</a> company that is available in 8 markets worldwide, including Singapore, Malaysia, Hong Kong, Thailand, Vietnam, Mainland China, the Philippines, and Indonesia. Shoppers can use Atome to buy now, and <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/">pay later</a> at over 15,000 brands across fashion, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-stores/beauty">beauty</a>, lifestyle, home, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/resource/travel/page/1">travel</a>, and more.</p>



<p>Try Atome today by signing up through its app (Get the app). If you download the app now, you get a welcome voucher of $10 that can be used on your first purchase.</p>



<p>Download the app now, create an account and start shopping from Atome’s online and offline partners today!</p>



<h3 class="wp-block-heading">How to pay with the Atome app on ZALORA online store</h3>



<ol class="wp-block-list" start="1">
<li>Select Atome as your payment partner when checking out of the online store.</li>



<li>Enter your user credentials when redirected.</li>



<li>Pay one part of your bill and defer the remaining amount to subsequent months.</li>
</ol>
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Hot Fashion Style | How to rock a colour-blocked outfit


<p>Easily the most popular winter sport, ski resorts attract hordes of people worldwide each year. You don&#8217;t have to be skilled to enjoy the snow, and it&#8217;s a great family vacation idea, especially for summer vacations.</p>



<p>Families flock to ski resorts, but only some have slopes suitable for beginners. Obviously, there&#8217;s a long list of alternatives focused on catering to amateurs and professionals who prefer steeper and more dangerous slopes.</p>



<p>But if you’re looking for relatively safe and family-friendly slopes, here’s a list of six beginner-friendly resorts in Asia:</p>



<ol start="1" class="wp-block-list">
<li><strong>Niseko Ski Resort</strong></li>
</ol>



<p>It&#8217;s officially known as Japan&#8217;s most popular ski resort and is perfect for a family vacation. In addition, it&#8217;s well-known for its powdery snow, which makes falls easier, and the resort offers 25 ski trails, many of which are suitable for beginner and intermediate skiers.</p>



<p>There are also ten chairlifts, and the resort has an onsen, which are hot springs for you to soak in. With relaxing massages and top-tier facilities, Niseko is a winter wonderland.</p>



<p><strong>Cheap ski resorts for beginners</strong> are easier to find than you think because Niseko passes only cost between USD40 and USD65 per day.</p>



<ol start="2" class="wp-block-list">
<li><strong>Yongpyong Ski Resort</strong></li>
</ol>



<p>The resort is one of South Korea&#8217;s most well-known ski attractions, known for having hosted several winter games in the past. But one part contributing to making it beginner-friendly is its <strong>remarkable ski lessons</strong>.</p>



<p>There are 31 slopes, many of which are for those just starting. The resort is excellent for kicking back to relax on heated floors rather than a crowd-focused option.</p>



<p>One thing to consider is that it&#8217;s a destination best-visited in winter. However, the resort is operational around the year with other facilities like golfing, a waterpark, a tennis court, and even a bowling alley.</p>



<ol start="3" class="wp-block-list">
<li><strong>Sky Resort, Ulaanbaatar</strong></li>
</ol>



<p>This resort is solely for beginners who want to test their abilities and take their families on fun vacations. The resort is located in Mongolia and has nine trails, most of which are for amateurs. Equipped with an Italian snow-making system, it has a sledding slope and sledding lessons for children.</p>



<p>It has a camp-style <strong>hotel</strong>, the Ger Hotel, and a spa so you can relax in a <strong>sauna room</strong> after a day in the snow. Another resort operational around the year with several facilities has a golf club and great restaurants.</p>



<ol start="4" class="wp-block-list">
<li><strong>Nanshan Ski Resort</strong></li>
</ol>



<p>Located just 80km from Beijing, Nanshan is another ski resort perfect for beginners. With 5km of slopes and 13 chairlifts for guests, the slope is relatively gentle at their ski school. It&#8217;s definitely geared towards family, with coaching services also available.</p>



<p>If you want to try skiing but are still determining if you&#8217;ve gotten the hang of it, Nanshan is perfect for practicing your balance. The resort has mostly gentle slopes and a few advanced ones you can try to see if you&#8217;ve improved.</p>



<p>The resort is best kept for short trips; you could set a day aside to enjoy the snow.</p>



<ol start="5" class="wp-block-list">
<li><strong>Pyeongchang Alpensia Ski Resort</strong></li>
</ol>



<p>Pyeongchang is one word many people will recognize following the 2018 Winter Olympics. Since then, the ski resort has been gaining popularity among tourists looking for the perfect vacation spot for beginners.</p>



<p>It has six slopes that run for up to 1.4km, all of which are easy to traverse. The resort also has excellent <strong>restaurants</strong> and attractions like the Biathlon Sports Park and the Alpensia Sliding Centre, you won’t run out of things to do.</p>



<p>The Ski Jumping Stadium was used during the Pyeongchang Winter Olympics. The resort village also has three main <strong>hotel</strong> accommodations; the Intercontinental Hotel, Holiday Inn Hotel, and Holiday Inn Suites.</p>



<ol start="6" class="wp-block-list">
<li><strong>Fujiten Snow Resort</strong></li>
</ol>



<p>There&#8217;s no surprise that there&#8217;s yet another Japanese ski resort on the list, but Fujiten is one you won&#8217;t want to miss. It&#8217;s an authentic resort located just 90 minutes away from central Tokyo, in front of the famous Mt. Fuji.</p>



<p>There are 1.3km-long runs for beginners and a 500m family course. There are also steeper slopes for more advanced skiers and even a snow cannon to maintain the amount of snow.</p>



<p>Once you&#8217;ve had fun, you can head to the nearby Yurari Onsen, which is better than any <strong>sauna in Singapore</strong>, for a beautiful view of Mt. Fuji from their outdoor baths.</p>



<h2 class="wp-block-heading">Atome partners for travel bookings</h2>



<p>Searching and making reservations at a ski resort requires a lot of back-and-forth communication with the resort management. Most of the time, travelers need to be made aware of the best deals being offered by different ski resorts. That&#8217;s where <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/resource/travel/page/1">travel</a> agencies such as <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/agoda">Agoda</a> and Kkday can come to the rescue. Fortunately, both companies are Atome’s partnered merchants, which allows their users to split their booking expenses into three parts instead of paying it all at once.</p>



<h3 class="wp-block-heading">Agoda</h3>



<p><a href="https://www.atome.sg/paylater-merchants/agoda"><strong>Agoda</strong></a> is a great booking site that lets you see the best deals for cities worldwide. You can check out convenient hotel rooms and flights, and you won&#8217;t have to worry about finding good hotels. You can even book activities for your family to make sure you have a fantastic vacation.</p>



<figure class="wp-block-image size-full is-resized"><img data-recalc-dims="1" loading="lazy" decoding="async" width="512" height="250" data-attachment-id="11725" data-permalink="https://blog.atome.sg/online-shopping-ideas/ski-resorts-in-asia/attachment/image-10-3/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-10.png?fit=512%2C250&amp;ssl=1" data-orig-size="512,250" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="image-10" data-image-description="" data-image-caption="" data-medium-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-10.png?fit=300%2C146&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-10.png?fit=512%2C250&amp;ssl=1" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-10.png?resize=512%2C250&#038;ssl=1" alt="book ski resorts on Agoda" class="wp-image-11725" style="width:838px;height:409px"/></figure>



<h3 class="wp-block-heading">Kkday</h3>



<p>Another site that lets you browse through the best accommodation and transportation options, and you can even go through events that are being held in the area to book your ticket. The travel agency also offers tours for a planned itinerary.</p>



<p>You can decide if you want to book outdoor activities or a relaxing vacation to help you escape the daily hustle. No matter your tastes, you&#8217;ll find great options through <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/kkday">Kkday</a>.</p>



<h2 class="wp-block-heading">How does Atome work?</h2>



<p>Headquartered in Singapore with over 15,000 partnered merchants and available in 8 markets, Atome offers its users the choice and convenience of flexible payment options for a variety of products and services. The app allows shoppers to split their purchases across three interest-free monthly payments by scanning a partner retailer’s in-store QR code or upon website checkout. By splitting their payments, Atome users will be able to better manage their budget while making quality products and services more reachable.</p>



<p>You can become a registered Atome user by creating a new account through Atome’s app (<a href="https://www.atome.sg/get-the-app" target="_blank" rel="noreferrer noopener">Get the app</a>). Once your payment details are verified (it only takes a few minutes), you are eligible to start shopping with Atome’s flexible monthly payment option.</p>



<figure class="wp-block-image aligncenter size-full"><img data-recalc-dims="1" loading="lazy" decoding="async" width="180" height="180" data-attachment-id="16164" data-permalink="https://blog.atome.sg/campaign/discover-stunning-nails-for-chinese-new-year-2024/attachment/qr-code/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?fit=180%2C180&amp;ssl=1" data-orig-size="180,180" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="First Order Up To $10 Off! Download Atome!" data-image-description="&lt;p&gt;First Order Up To $10 Off!&lt;br /&gt;
Download Atome!&lt;/p&gt;
" data-image-caption="&lt;p&gt;First Order Up To $10 Off!&lt;br /&gt;
Download Atome!&lt;/p&gt;
" data-medium-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?fit=180%2C180&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?fit=180%2C180&amp;ssl=1" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?resize=180%2C180&#038;ssl=1" alt="First Order Up To $10 Off! Download Atome!" class="wp-image-16164" srcset="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?w=180&amp;ssl=1 180w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?resize=150%2C150&amp;ssl=1 150w" sizes="auto, (max-width: 180px) 100vw, 180px" /><figcaption class="wp-element-caption">First Order Up To $10 Off! 
Download Atome!</figcaption></figure>



<p>If you download the app now, you get a welcome voucher of $10 that can be used on your first purchase.</p>



<h3 class="wp-block-heading">How to pay with Atome</h3>



<ol start="1" class="wp-block-list">
<li>Select Atome as your payment partner at checkout when shopping from an online store.</li>



<li>Enter your user details when redirected.</li>



<li>Pay 1/3rd of your bill and defer the remaining amount over subsequent months.</li>
</ol>



<h2 class="wp-block-heading">Book your ski resorts through Atome</h2>



<p>This concludes our list of the top six ski resorts for beginners in Asia. But, of course, if you&#8217;re looking to give your kids the experience, you could also take them to Snow City in Singapore to get them used to the snow before planning your big vacation. Then, once you&#8217;ve tried them out, you could consider more thrilling courses.</p>



<p>Whichever ski resort you decide to visit this year, remember to book your trip through Atome&#8217;s partner merchants so you can enjoy interest-free monthly payments.</p>
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6 Beginner-friendly Ski Resorts in Asia


<p>Wardrobes for men should be more than just jeans, shirts, and suits, especially during winter. Almost all men want minimal yet modish clothing that can be worn in different styles throughout the season. So the best technique to shop for men is the capsule wardrobe method.</p>



<p>A&nbsp;capsule wardrobe meaning&nbsp;is to limit one&#8217;s clothing selections to a few core pieces, so you can wear these chosen clothing in an infinite number of ways during the season as we all know that most men dislike going shopping, especially for clothes. They prefer to stay home and relax on weekends rather than spend hours wandering around Singapore&#8217;s high streets looking for trending options for their closet.</p>



<p>If you also dislike shopping and hoarding clothes, especially during winter, a winter capsule wardrobe might be perfect for you. When the weather outside is gloomy and the temperature is low, it is the ideal time to pull out your oversized sweaters and the chicest clothing from your walk-in wardrobe.</p>



<p>The goal is to select a dozen products that can serve as the foundation for a complete outfit suited for the chilly weather. Regardless of the temperature or level of formality, this&nbsp;capsule wardrobe&nbsp;allows you to retain a style that is both comfortable and stylish at all times.</p>



<p>Putting it in another way, you decide on your complete&nbsp;wardrobe design&nbsp;at once and then don&#8217;t have to worry about it again for six months. Let&#8217;s take a closer look at the staples before discussing the many ways you may combine and build them to create a variety of fashionable fall ensembles.</p>



<h2 class="wp-block-heading">Cozy V Neck Sweaters</h2>



<p>When it&#8217;s cold outside, nothing beats a cozy&nbsp;v-neck sweater. It&#8217;s ideal for people who have hectic winter routines outside their homes. Different companies have utilized a knitted design and seamless technology to achieve the best possible ergonomic fit. You can wear a woolen v-neck sweater with an elegant shirt tucked under it. Also, you can pair it with dark and dusky denim and nice shoes. The best part of v-neck sweaters is that you can style them casually and professionally.</p>



<h2 class="wp-block-heading">Versatile Oversized Sweaters</h2>



<p>A solid-color sweater with a crew neck makes for a lovely oversized sweater. It&#8217;s a pullover design with long sleeves and ribbed cuffs. Choose an enormous sweater to spice up your winter collection. It&#8217;s not only intriguing but also very adaptable. Because of its versatility, you can dress it according to your mood.</p>



<h2 class="wp-block-heading">Must-have winter jackets</h2>



<p>Winter jackets look incredibly stylish and can be worn in various ways, making them perfect for Singapore&#8217;s generally unpredictable winter weather. The HMLYN Down Parka, inspired by the original Himalayan Down Jacket, has been dropped to street level without sacrificing its elegance or functionality. It comes in the&nbsp;North Face winter jacket&nbsp;that your capsule wardrobe needs. It is a great thing to have for Singapore&#8217;s winter days and serves us well throughout the transitional season between winter and spring.</p>



<h3 class="wp-block-heading">Harrington jacket</h3>



<p>The Harrington jacket is among the most favorite Singaporean outerwear for men because it&#8217;s cozy and lightweight. They are available in a variety of waterproof and water-resistant finishes. They are great for stowing in a bag when not in use, proving that a single garment can be utilized in various weather situations.</p>



<p>A Harrington is a practical, casual jacket with a high collar and a zipper down the front; it looks great on men of all ages. Suitable for your walk-in wardrobe and versatile enough to be worn up or down. The Harrington sprang to prominence in the 1950s and has been a worldwide favorite ever since. It is a basic yet fashionable cover-up worn by every superstar in modern history.</p>



<h3 class="wp-block-heading">Puffer Jacket</h3>



<p>Classic, neutral puffer coats are the epitome of effortless style. These puffer jackets can be worn with everything in your walk-in&nbsp;wardrobe in Singapore. Stick to timeless monochromes or neutrals for your winter capsule wardrobe, such as black, white, or brown.</p>



<p>Moreover, the North Face puffer jackets&nbsp;are undeniably trendy for the coming winter and will likely remain in trend for quite some time. You can protect yourself from the cold and look stylish at the same time during the fall with puffer jackets.</p>



<h2 class="wp-block-heading">Winter Capsule Wardrobe Shoes</h2>



<p>Complete your minimalist wardrobe with a few pairs of shoes. You should have at least three pairs of footwear: boots, athletic sneakers, and dress shoes. Like women, every man and his way of life is different, yet every man needs at least two pairs of winter shoes.</p>



<h3 class="wp-block-heading">Army Boots</h3>



<p>You can wear army boots all year round and to practically any occasion, whether you&#8217;re going for a more formal or informal style. You can dress them up for work or the weekend and wear them in the rain or on rough terrain without a problem.</p>



<h3 class="wp-block-heading">Hiking boots</h3>



<p>Hiking Boots are the ultimate sleek and durable shoes for your minimalist wardrobe. They&#8217;re a must-have no matter the season because you never know when you will head out for a hike. To match your wardrobe, you may choose brown or blue tones in suede, leather, or canvas.</p>



<p>Here are some highly-recommended, reliable stores from where you can shop for the upcoming fall/winter season. These stores have a variety of products with limitless options for everyone. So let&#8217;s have a brief look at our top recommendations.</p>



<h2 class="wp-block-heading">The Ultimate Shopping Place For Men</h2>



<h3 class="wp-block-heading">The ZALORA Store</h3>



<p>Part of the Global Fashion Group, ZALORA is the best place to shop online for fashion, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-stores/beauty">beauty</a>, and lifestyle in Asia. ZALORA has made deals with different local and international brands to offer its men customers a wide range of products. This makes it easy for you to choose from many options. <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/zalora">ZALORA</a>&#8217;s elite designs and website product reviews are the most important reason you should shop online at ZALORA. It is a highly trusted brand due to its convenient, quick, and reliable service.</p>



<figure class="wp-block-image size-large"><img data-recalc-dims="1" height="326" width="580" decoding="async" data-attachment-id="11731" data-permalink="https://blog.atome.sg/online-shopping-ideas/winter-capsule-wardrobe/attachment/image-11-3/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-11.png?fit=1280%2C720&amp;ssl=1" data-orig-size="1280,720" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="image-11" data-image-description="" data-image-caption="" data-medium-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-11.png?fit=300%2C169&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-11.png?fit=580%2C326&amp;ssl=1" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-11.png?resize=580%2C326&#038;ssl=1" alt="winter capsule wardrobe shoes on Zalora" class="wp-image-11731"/></figure>



<h3 class="wp-block-heading">The North Face</h3>



<p>The most liked in-store brand in Southeast Asia is The North Face. If you prefer an in-store shopping experience, this store has popular goods, including down vests and puffer jackets, not only for men but also for children</p>



<p>and women.</p>



<p>The North Face has dominated the puffer coats and winter jackets market for decades because of its meticulous designs and skillful craftsmanship. For vast outdoor experiences, a waterproof jacket from the North Face is a must-have in your winter wardrobe.</p>



<p>Check out the North Face Outlet in Singapore and some other Southeast Asian countries to experience the world&#8217;s best eco-friendly environment for your winter wardrobe shopping.</p>



<h2 class="wp-block-heading">Atome’s fashion partners</h2>



<p>Atome has over 15,000 partner merchants offering products and services from home, lifestyle, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/resource/travel/page/1">travel</a>, fashion, and more. <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/the-north-face">The North Face</a> and ZALORA are both Atome’s partnered merchants, which means their customers can enjoy convenient shopping with monthly payments. Please continue reading to learn more about Atome and how its service works.</p>



<h2 class="wp-block-heading">How Atome makes shopping easier</h2>



<p>Headquartered in Singapore with over 15,000 partnered merchants and available in 8 markets, Atome offers its users the choice and convenience of flexible payment options for a variety of products and services. The app allows shoppers to split their purchases across three interest-free monthly payments by scanning a partner retailer’s in-store QR code or upon website checkout. By splitting their payments, Atome users will be able to better manage their budget while making quality products and services more reachable.</p>



<p>Atome combines shopping with convenience, and if you want to join its platform, all you need to do is sign-up. Download the app (<a href="https://www.atome.sg/get-the-app" target="_blank" rel="noreferrer noopener">Get the app</a>) and create an account. The system takes a few minutes to verify your details, after which you can shop from any of Atome’s partner stores with monthly payments. If you download the app now, you can avail of a welcome voucher of $10 on your first purchase.</p>



<h3 class="wp-block-heading">How to pay through Atome</h3>



<ol class="wp-block-list" start="1">
<li>Scan the QR code from Atome’s app for in-store purchases.</li>



<li>For online shopping, select Atome as your payment partner at checkout.</li>



<li>Enter your unique credentials when redirected.</li>



<li>Pay the first part of your bill at checkout and complete the rest across 2 months.</li>
</ol>



<h2 class="wp-block-heading">Upgrade your winter wardrobe with Atome</h2>



<p>Atome’s purpose is to encourage consumers to buy high-quality products, and that&#8217;s precisely what you need in your winter wardrobe- articles that will last. Step away from fast fashion and invest in classic pieces to elevate your winter looks. If you&#8217;re worried about the shopping bill, leave it up to Atome to divide it into monthly payments.</p>



<p>Happy winter wardrobe shopping!</p>
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Seasonal Staples for Every Man’s Winter Wardrobe


<p>Cold weather&nbsp;destinations that are budget-friendly are all we need during hot summers. While Southeast Asian countries have beautiful, scenic tropical regions, beaches, resorts, and amazing weather from October to March, the summer season gets quite humid.&nbsp;</p>



<p>Many people in South Asian countries often want to skip the summer heat and jump to the winter season. Some try to beat the heat by planning trips to cold-weather countries, which costs them a lot of planning and a dip in their savings.&nbsp;</p>



<p>But if you also want to spend a lovely time in a chilly area without spending all your savings on it, then the Atome buy-now-pay-later service has you covered. You will not have to book expensive trips and leave the continent to enjoy the chilly weather. Instead, you can revel in some of the coldest Southeast Asian countries while enjoying flexible payment options.</p>



<p>We have found some exquisite Southeast Asian destinations for you to plan a budget-friendly trip and enjoy the serenity of&nbsp;cold weather&nbsp;without worrying about booking problems and massive bills. All you have to do is determine where to visit and leave the rest to a good online travel agency.</p>



<p>While talking about Southeast Asian Countries and their climate, let us now tell you about the five best places to travel during summer for a fantastic experience. Check out our picks for this year below.</p>



<h2 class="wp-block-heading">5 Cold Weather Best Places You Must Travel</h2>



<ol start="1" class="wp-block-list">
<li><strong>Cameron Highlands Malaysia</strong></li>
</ol>



<p>Cameron Highlands will leave you spellbound as it is surrounded by nature and filled with organic farms. If you are a nature lover and want a peaceful, chilly getaway, there is no place better than the Highlands. This place has a spring-like temperature all year round. For example, the average temperature throughout the year is eighteen degrees celsius.&nbsp;</p>



<p>There are numerous gardens, hiking trails, waterfalls, farms, museums, and markets with delicious food. The most common thing you will experience in Cameron Highlands is its tea plantations and fruit farms. Because it is located at a high altitude and is usually colder than normal, this place is ideal for growing tea and crops.&nbsp;</p>



<p>If you are truly looking for a getaway, away from the daily grind of the work-home-work, then visit this place once, and you will fall in love with it forever.</p>



<ol start="2" class="wp-block-list">
<li><strong>Kundasang Malaysia</strong></li>
</ol>



<p>Also known as the New Zealand of Malaysia, Kundasang is one of Malaysia&#8217;s most liked travel destinations. Whether you plan to come here during summer or winter, you will always find pleasant weather during day time and breezy during the nighttime.</p>



<p>The clear broad skies and the breathtaking green fields will make you appreciate the <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-stores/beauty">beauty</a> of nature. If you want to travel to this place, you must visit the Desa dairy farm, where you can experience feeding the cattle and playing with them.</p>



<p>If you want to plan a vacation with your family, then Kundasang is indeed one of the best places to travel. In addition to the farms, you can enjoy several activities like visiting the spring gardens, riding ATVs, paragliding, and enjoying hot spring baths.</p>



<p>According to a Singapore travel agency, May-June is the best time to visit and explore Kundasang. However, if you want to enjoy cool, chilly weather, visit Kundasang in January and remember to bring warm clothes and blankets.</p>



<ol start="3" class="wp-block-list">
<li><strong>Chiang Mai, Thailand</strong></li>
</ol>



<p>Chiang Mai is located north of Thailand and is one of the best tourist spots in December. This place is rich in culture, heritage, and alluring natural sights. Beautifully populated amongst hills and mountains, this city offers a remarkable experience to travelers and tourists. Whether you wish to enjoy delicious warm food in the city&#8217;s chilly weather or want to celebrate rich cultural events, this place is a complete package.</p>



<p>You must visit the city between November and February for pleasantly cold weather. The temperature in December drops to around 10 to 15 degrees Celsius, so it&#8217;s pretty satisfying for people who want to spend time in a cold place. Also, this city has affordable accommodations with all basic services that you can book and enjoy a comfortable stay.</p>



<p>The city has various cultural festivals and night bazaars with delicious food options. Moreover, it has many waterfalls and beautiful attractions that are intriguing for tourists. Lastly, the best part of this city is the cherry blossom festival in January. So if you visit Chiang Mai, Thailand, don&#8217;t forget to experience this fantastic show of nature.</p>



<ol start="4" class="wp-block-list">
<li><strong>Sapa, Vietnam&nbsp;</strong></li>
</ol>



<p>The town is located in southwest Vietnam, close to the Chinese border. If you want to see the true expression of nature, then visit this place anytime throughout the year. Inhabited by different tribal groups, this mountain town shows a true example of cultural diversity. People are very welcoming and friendly.&nbsp;</p>



<p>This place is for you if you want to spend time in nature while meeting new people and learning about new cultures. Sapa hills are covered with greenery and countless tracks to enjoy trekking. The temperature of this place stays an average of twenty degrees celsius. However, the temperature falls below 10 degrees in winter months, such as December and January.</p>



<p>At the top of the mountain, the temperature falls even to minus five degrees. Therefore, it is recommended to visit this place if they have good trekking skills because hiking becomes comparatively tougher in winter. Otherwise, it is an amazing place to spend time in cold weather.&nbsp;</p>



<ol start="5" class="wp-block-list">
<li><strong>Sagada, Philippines</strong></li>
</ol>



<p>Sagada in the Philippines is a mountainous area where temperatures drop to four degrees Celsius from December to February. This place is also famous for its scenic nature, underground limestone caves, waterfalls, and farmlands. It is also one of the calmest and chilliest places to travel in the Philippines, which makes a person feel relaxed. Although December to February is the best time to visit Sagada, it is also the busiest time when tourism is at its peak.</p>



<p>The people here celebrate some native festivals that show their culture and traditions and present their delicious cuisines. This city is welcoming for visitors and offers several tourist activities, like the hanging coffins of Sagada, eco valley, Lake Danum, etc. You can easily book transport to this town and have a wide range of accommodation options from mid-level to luxurious style, from easily affordable to expensive hotels.&nbsp;</p>



<h2 class="wp-block-heading">Best travel agencies to plan a trip</h2>



<p>A good travel agency will help you explore the places mentioned above effortlessly and peacefully. Let us suggest some leading online travel agencies that will make your travel seamless, stress-free, and memorable.</p>



<ul start="6" class="wp-block-list">
<li><strong>Agoda</strong></li>
</ul>



<p>When we talk about trust and seamless <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/resource/travel/page/1">travel</a> plans, the first thing that comes to our mind is <a href="https://www.atome.sg/paylater-merchants/agoda"><strong>Agoda</strong></a>. Agoda is a Singapore online travel agency that has global connections. No matter where you want to visit, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/agoda">Agoda</a> is there to make effortless accommodation bookings for you.</p>



<p>Agoda has been successfully handling the traveling plans of its customers since 2005. It has more than 2.9 million properties in almost two-hundred countries and more than thirty-five million honest customer reviews. Isn&#8217;t it amazing?</p>



<p>Moreover, Agoda offers twenty-four hours customer care service that makes the booking process smooth and effortless. The company understands its customer&#8217;s needs and time like no other agency. Therefore, in our Singapore travel book, it is labeled as one of the most reliable travel agencies in Singapore. So, if you want to book a flight or hotel, get in touch with Agoda, and they will handle all your bookings professionally and smoothly.</p>



<ul start="7" class="wp-block-list">
<li><strong>Kkday&nbsp;</strong></li>
</ul>



<p>Kkday is a leading&nbsp;Singapore travel agency&nbsp;that is always ahead in making your trips secure and memorable. Whether you want to book transportation, reserve tables in popular restaurants, book hotel rooms or villas, buy tickets to famous tourist attractions, or join group tours, <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/paylater-merchants/kkday">Kkday</a> is always there to make your experience convenient.&nbsp;</p>



<p>Trust us, this travel agency is a game changer and can prove to be an excellent choice when it comes to visiting the best places to travel. No matter the type of destination, event, or activity, Kkday is a one-stop shop for tourists.&nbsp;</p>



<p>With the support of more than one million customers, Kkday is available in almost ninety countries. This agency works diligently to make the entire process of your trip, from bookings to payments, safe, credible, and exciting. Moreover, they have a lot of recommendations, tips and tricks, and activities ideas to do in Southeast Asian countries like Thailand, Malaysia, and Singapore.&nbsp;</p>



<p>So isn&#8217;t it better to choose a travel agency based in Singapore that has mastered Southeast Asian cultures, events, traditions, and the best travel time, while planning your trips?</p>



<figure class="wp-block-image size-full is-resized"><img data-recalc-dims="1" loading="lazy" decoding="async" width="580" height="290" data-attachment-id="11707" data-permalink="https://blog.atome.sg/online-shopping-ideas/cold-weather-travel-destinations/attachment/image-8-3/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-8.png?fit=720%2C360&amp;ssl=1" data-orig-size="720,360" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="image-8" data-image-description="" data-image-caption="" data-medium-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-8.png?fit=300%2C150&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-8.png?fit=580%2C290&amp;ssl=1" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2022/11/image-8.png?resize=580%2C290&#038;ssl=1" alt="Book cold weather travel resorts with Atome app on Kkday" class="wp-image-11707" style="width:841px;height:421px"/></figure>



<h2 class="wp-block-heading">Atome’s partner merchants for travel bookings</h2>



<p>Atome is a <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/">BNPL</a> with over 15,000 partner merchants offering services across education, lifestyle, beauty, and travel, among others. Both Agoda and Kkday are Atome’s partner merchants, which means you can avail their travel services while paying with flexible monthly payments. Please continue reading to learn more about Atome and <a title="" class="aalmanual" target="_blank"   href="https://www.atome.sg/how-it-works">how it works</a>.</p>



<h2 class="wp-block-heading">What is Atome?</h2>



<p>Headquartered in Singapore with over 15,000 partnered merchants and available in 8 markets, Atome offers its users the choice and convenience of flexible payment options for a variety of products and services. The app allows shoppers to split their purchases across three interest-free monthly payments by scanning a partner retailer’s in-store QR code or upon website checkout. By splitting their payments, Atome users will be able to better manage their budget while making quality products and services more reachable.</p>



<p>If you want to be an Atome user, download the app (<a href="https://www.atome.sg/get-the-app" target="_blank" rel="noreferrer noopener">Get the app</a>) and create an account. Setting up a new account is relatively simple and only takes a few minutes. Once your account is approved, start shopping for your favorite products and services with Atome.</p>



<figure class="wp-block-image aligncenter size-full"><img data-recalc-dims="1" loading="lazy" decoding="async" width="180" height="180" data-attachment-id="16164" data-permalink="https://blog.atome.sg/campaign/discover-stunning-nails-for-chinese-new-year-2024/attachment/qr-code/" data-orig-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?fit=180%2C180&amp;ssl=1" data-orig-size="180,180" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="First Order Up To $10 Off! Download Atome!" data-image-description="&lt;p&gt;First Order Up To $10 Off!&lt;br /&gt;
Download Atome!&lt;/p&gt;
" data-image-caption="&lt;p&gt;First Order Up To $10 Off!&lt;br /&gt;
Download Atome!&lt;/p&gt;
" data-medium-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?fit=180%2C180&amp;ssl=1" data-large-file="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?fit=180%2C180&amp;ssl=1" src="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?resize=180%2C180&#038;ssl=1" alt="First Order Up To $10 Off! Download Atome!" class="wp-image-16164" srcset="https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?w=180&amp;ssl=1 180w, https://i0.wp.com/blog.atome.sg/wp-content/uploads/2024/01/qr-code.png?resize=150%2C150&amp;ssl=1 150w" sizes="auto, (max-width: 180px) 100vw, 180px" /><figcaption class="wp-element-caption">First Order Up To $10 Off! 
Download Atome!</figcaption></figure>



<p>If you download the app now, you get a welcome voucher of $10 that can be used on your first purchase.</p>



<h3 class="wp-block-heading">How to pay with Atome</h3>



<p>Whether you select Agoda or Kkday to plan your trip to the best places to travel, you can pay with Atome in the following way:</p>



<ol start="1" class="wp-block-list">
<li>For online bookings, choose Atome as your payment partner at checkout.</li>



<li>Enter your credentials when redirected.</li>



<li>Pay one part of your total bill and defer the remaining amount to subsequent months.</li>



<li>Enjoy traveling to beautiful cold-weather destinations while you pay for your trip over the next two months.</li>
</ol>



<p>Planning a trip can be stressful, but it doesn&#8217;t have to be anymore. With our suggestions of the most impressive cold places to visit within Asia and leading travel agencies that you can book your trip through &#8211; your journey is sorted. Enjoy traveling with convenience with Atome’s <em>Pay in 3 </em>monthly payments. So, book your trip today and explore the beauty of Asia.</p>
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