diff --git a/apps/web/src/components/common/PointsCost/index.tsx b/apps/web/src/components/common/PointsCost/index.tsx
index 72021a42d..e9ec2edba 100644
--- a/apps/web/src/components/common/PointsCost/index.tsx
+++ b/apps/web/src/components/common/PointsCost/index.tsx
@@ -1,102 +1,168 @@
 /**
- * 积分消耗提示组件（创作页/按钮旁使用）
+ * 功能操作按钮旁的"消耗积分"提示
+ * 例：[生成配音] 💎 -1 积分
+ *  - 根据 scene_key 自动读取规则（来自 store.rules）
+ *  - 免费用户自动计算 ×free_user_multiplier 向上取整
+ *  - 会员 floor(base × points_discount)
+ *  - 余额不足时显示红色告警 + 充值提示
  *
- * 展示规则：
- * - 非会员 + 免费额度未用完：展示「消耗 X 积分（今日剩余 Y 次免费）」
- * - 非会员 + 免费额度用完：展示「消耗 X 积分（非会员 ×free_user_multiplier）」
- * - 会员：展示「消耗 X 积分（会员折扣）」
- *
- * 兼容旧 props：
- * - 旧 props.units 会自动映射为 quantity，保持现有调用方不报错
+ * 字段对齐新契约：
+ *  - rule.points_per_use → base_points
+ *  - balance.free_clips_remaining → dailyUsage.free_clips_remaining
+ *  - props.units → 保留兼容，新代码优先用 quantity
  */
 import React, { useMemo } from "react"
-import { Tooltip, Tag } from "antd"
-import { ThunderboltOutlined, InfoCircleOutlined } from "@ant-design/icons"
+import { Tooltip } from "antd"
+import { WarningOutlined } from "@ant-design/icons"
 import { usePointsStore } from "@/store/pointsStore"
-import styles from "./PointsCost.module.css"
 import type { PointsSource } from "@/api/points/types"
+import "./PointsCost.css"
 
 interface Props {
-  /** 积分场景键 */
-  source: PointsSource
-  /** 消耗数量（新字段） */
+  /** 消耗场景 key */
+  scene: PointsSource
+  /** 数量（新字段），默认 1 */
   quantity?: number
   /** 预计时长（分钟），可选 */
   durationMinutes?: number
-  /** 简化显示（只显示图标 + 数字） */
+  /** 是否显示为紧凑模式（仅图标+数字，不显示单位文字） */
   compact?: boolean
+  /** 余额不足时，是否显示充值提示 */
+  showRechargeHint?: boolean
+  /** 自定义 class */
+  className?: string
   /**
-   * @deprecated 已改名为 quantity，保留旧字段做兼容映射
+   * @deprecated 旧字段保留兼容，内部映射为 quantity
    */
   units?: number
 }
 
+/** 单位中文 */
+const UNIT_LABEL: Record<string, string> = {
+  分钟: "分钟",
+  条: "条",
+  次: "次",
+  张: "张",
+}
+
 const PointsCost: React.FC<Props> = ({
-  source,
+  scene,
   quantity,
   units,
   durationMinutes,
   compact = false,
+  showRechargeHint = true,
+  className = "",
 }) => {
-  const { balance, rules, dailyUsage, membership } = usePointsStore()
+  const { balance, dailyUsage, rules, membership } = usePointsStore()
   const qty = quantity ?? units ?? 1
-  const rule = rules?.rules.find((r) => r.scene_key === source)
-  const freeMultiplier = rules?.free_user_multiplier ?? 1.15
-  const pointsDiscount = membership?.is_member
-    ? 1 // 会员折扣可通过 subscription.plans.points_discount 读取，这里简化用 1 占位
-    : freeMultiplier
 
-  const cost = useMemo(() => {
-    if (!rule) return 0
-    const extra =
-      durationMinutes && durationMinutes > 0.5 && rule.extra_per_30s
-        ? Math.ceil((durationMinutes * 60 - 30) / 30) * rule.extra_per_30s
-        : 0
-    const base = (rule.base_points + extra) * qty
-    return membership?.is_member
-      ? Math.floor(base * pointsDiscount)
-      : Math.ceil(base * pointsDiscount)
-  }, [rule, qty, durationMinutes, pointsDiscount, membership?.is_member])
+  const { cost, isFreeQuota, rule, isFreeUser, insufficient, freeRemain } = useMemo(() => {
+    const isMem = membership?.is_member ?? balance?.is_member ?? false
+    if (!rules || !balance) {
+      return {
+        cost: 0,
+        isFreeQuota: false,
+        rule: null,
+        isFreeUser: !isMem,
+        insufficient: false,
+        freeRemain: 0,
+      }
+    }
+    const rule = rules.rules.find((r) => r.scene_key === scene)
+    if (!rule)
+      return {
+        cost: 0,
+        isFreeQuota: false,
+        rule: null,
+        isFreeUser: !isMem,
+        insufficient: false,
+        freeRemain: 0,
+      }
+    // 免费训练不扣费
+    if (rule.base_points === 0) {
+      return {
+        cost: 0,
+        isFreeQuota: false,
+        rule,
+        isFreeUser: !isMem,
+        insufficient: false,
+        freeRemain: 0,
+      }
+    }
 
-  if (!rule) return null
+    // 计算 base
+    let baseCost: number
+    if (scene === "ai_video" && rule.extra_per_30s) {
+      const minutes = durationMinutes ?? qty
+      const segments = Math.max(1, Math.ceil(minutes * 2))
+      baseCost = rule.base_points + rule.extra_per_30s * (segments - 1)
+    } else {
+      baseCost = rule.base_points * Math.max(1, qty)
+    }
 
-  const freeRemain = dailyUsage?.free_clips_remaining ?? 0
-  const isFreeQuota = !membership?.is_member && freeRemain > 0
+    // 非会员 + 今日免费额度 → 免费
+    const freeRemain = dailyUsage?.free_clips_remaining ?? 0
+    const isFree = scene === "ai_video" && !isMem && freeRemain > 0
 
-  if (compact) {
+    const multiplier = rules.free_user_multiplier ?? 1.15
+    const cost = isFree ? 0 : isMem ? Math.floor(baseCost) : Math.ceil(baseCost * multiplier)
+    const insufficient = !isFree && balance.balance < cost
+    return {
+      cost,
+      isFreeQuota: isFree,
+      rule,
+      isFreeUser: !isMem,
+      insufficient,
+      freeRemain,
+    }
+  }, [rules, balance, dailyUsage, membership, scene, qty, durationMinutes])
+
+  if (!rule || !balance) {
+    return <span className={`xx-points-cost ${className}`} />
+  }
+
+  if (rule.base_points === 0) {
     return (
-      <Tooltip title={rule.name}>
-        <Tag color="gold" className={styles.compatTag}>
-          <ThunderboltOutlined /> {cost}
-        </Tag>
+      <span className={`xx-points-cost free ${className}`}>
+        <span className="xx-points-tag-free">免费</span>
+      </span>
+    )
+  }
+
+  if (isFreeQuota) {
+    return (
+      <Tooltip title={`今日免费额度剩余 ${freeRemain} 条，不扣积分`}>
+        <span className={`xx-points-cost free-quota ${className}`}>
+          <span className="xx-points-tag-free">免费</span>
+          {!compact && <span className="xx-points-desc">（今日剩余 {freeRemain} 条）</span>}
+        </span>
       </Tooltip>
     )
   }
 
+  const unitLabel = compact
+    ? ""
+    : `/${qty > 1 ? `${qty}${UNIT_LABEL[rule.unit] ?? rule.unit}` : rule.unit}`
+
   return (
-    <div className={styles.pointsCost}>
-      <ThunderboltOutlined className={styles.icon} />
-      <span>消耗 {cost} 积分</span>
-      {isFreeQuota ? (
-        <Tag color="success" className={styles.tag}>
-          今日剩 {freeRemain} 次免费
-        </Tag>
-      ) : (
-        !membership?.is_member && (
-          <Tooltip title={`非会员消耗倍率 ×${freeMultiplier}`}>
-            <Tag color="default" className={styles.tag}>
-              非会员 ×{freeMultiplier}
-              <InfoCircleOutlined style={{ marginLeft: 4 }} />
-            </Tag>
-          </Tooltip>
-        )
+    <span
+      className={`xx-points-cost ${insufficient ? "insufficient" : ""} ${isFreeUser ? "free-user" : ""} ${className}`}
+    >
+      <span className="xx-points-gem">💎</span>
+      <span className="xx-points-num">-{cost}</span>
+      {unitLabel && <span className="xx-points-unit-label">积分{unitLabel}</span>}
+      {isFreeUser && !compact && (
+        <Tooltip title={`免费用户消耗 ×${rules?.free_user_multiplier ?? 1.15}，开通会员享标准价`}>
+          <span className="xx-points-free-user-tag">非会员</span>
+        </Tooltip>
       )}
-      {balance && balance.balance < cost && (
-        <Tag color="red" className={styles.tag}>
-          余额不足
-        </Tag>
+      {insufficient && showRechargeHint && (
+        <Tooltip title={`积分不足，需 ${cost} 积分，当前余额 ${balance.balance}`}>
+          <WarningOutlined className="xx-points-warn-icon" />
+        </Tooltip>
       )}
-    </div>
+    </span>
   )
 }