diff --git a/apps/web/src/pages/points/Packages.tsx b/apps/web/src/pages/points/Packages.tsx
index a4d7e71ee..58f3d4354 100644
--- a/apps/web/src/pages/points/Packages.tsx
+++ b/apps/web/src/pages/points/Packages.tsx
@@ -1,174 +1,144 @@
 /**
- * 积分充值页（/app/points/recharge）
- * 单独展示积分包，供入口直接跳转使用
- * 主 Plans 页面也有充值区，这里提供独立 URL 方便从"积分不足"弹窗跳转
+ * 积分充值页面
+ * 展示充值包列表 + 创建充值订单
+ *
+ * 注意：当前后端 POST /points/recharge 返回 pay_params={}（支付通道未接入），
+ * 前端可完成订单创建 UI，但发起支付需等待支付通道接入。
  */
 import React, { useEffect, useState } from "react"
-import { Card, Col, Row, Button, Tag, Typography, Space, Modal, message, Tooltip } from "antd"
-import { ThunderboltOutlined, SafetyCertificateOutlined, CrownFilled } from "@ant-design/icons"
-import { useNavigate } from "react-router-dom"
-import PageHead from "@/components/layout/PageHead"
+import { Card, Button, Tag, message, Spin, Alert } from "antd"
+import { ThunderboltOutlined, CheckCircleFilled } from "@ant-design/icons"
 import { usePointsStore } from "@/store/pointsStore"
-import { createPointsOrder, getPointsPackages } from "@/api/points"
-import type { PointsPackage } from "@/api/points/types"
-import "./Points.css"
+import { getPointsPackages, createPointsOrder } from "@/api/points"
+import { getDiscountPriceCents } from "@/api/points/types"
+import type { PointsPackage, PointsPackagesResponse } from "@/api/points/types"
+import styles from "./Points.css"
 
-const { Title, Text, Paragraph } = Typography
-
-const PointsRecharge: React.FC = () => {
-  const navigate = useNavigate()
-  const { balance, init } = usePointsStore()
-  const [packages, setPackages] = useState<PointsPackage[]>([])
-  const [buying, setBuying] = useState<string | null>(null)
+const PointsPackagesPage: React.FC = () => {
+  const { init, refreshBalance } = usePointsStore()
+  const [pkgResp, setPkgResp] = useState<PointsPackagesResponse | null>(null)
+  const [loading, setLoading] = useState(true)
+  const [ordering, setOrdering] = useState<string | null>(null)
+  const [selectedCode, setSelectedCode] = useState<string | null>(null)
 
   useEffect(() => {
     init()
-    getPointsPackages()
-      .then((r) => setPackages(r.packages))
-      .catch(() => {})
+    loadPackages()
   }, [init])
 
-  const getPackPrice = (pkg: PointsPackage): number => {
-    const mt = balance?.member_type ?? "free"
-    type DiscountKey =
-      | "discounted_price_for_free"
-      | "discounted_price_for_monthly"
-      | "discounted_price_for_quarterly"
-      | "discounted_price_for_yearly"
-    const key = `discounted_price_for_${mt}` as DiscountKey
-    return pkg[key] ?? pkg.price
-  }
-
-  const handleBuy = async (pkg: PointsPackage) => {
+  const loadPackages = async () => {
     try {
-      setBuying(pkg.id)
-      const order = await createPointsOrder({ package_id: pkg.id })
-      Modal.info({
-        title: "支付功能开发中",
-        icon: <SafetyCertificateOutlined />,
-        content: (
-          <div>
-            <Paragraph>
-              订单已创建（{order.id.slice(0, 16)}…），金额{" "}
-              <b>¥{(order.price_cents / 100).toFixed(2).replace(/\.00$/, "")}</b>。
-              微信/支付宝支付正在接入中。
-            </Paragraph>
-            <Paragraph type="secondary" style={{ marginBottom: 0 }}>
-              现阶段所有功能免费体验，积分仅为演示数据。
-            </Paragraph>
-          </div>
-        ),
-        okText: "知道了",
-      })
-    } catch (e) {
-      const err = e as { message?: string }
-      message.error(err?.message ?? "下单失败")
+      setLoading(true)
+      const data = await getPointsPackages()
+      setPkgResp(data)
+      if (data.packages.length > 0) setSelectedCode(data.packages[1]?.code || data.packages[0].code)
+    } catch (err) {
+      message.error("加载充值包失败")
     } finally {
-      setBuying(null)
+      setLoading(false)
     }
   }
 
+  const handleRecharge = async (pkg: PointsPackage) => {
+    try {
+      setOrdering(pkg.code)
+      const order = await createPointsOrder({ package_id: pkg.code })
+      message.success(`订单已创建：${order.id}（支付通道待接入）`)
+      // pay_params 目前是 {}，支付通道接入后再处理跳转
+      if (order.pay_params && Object.keys(order.pay_params).length > 0) {
+        // TODO: 支付通道接入后发起支付
+        console.log("[recharge] pay_params:", order.pay_params)
+      }
+      await refreshBalance()
+    } catch (err) {
+      message.error((err as Error).message || "充值失败，请稍后再试")
+    } finally {
+      setOrdering(null)
+    }
+  }
+
+  if (loading)
+    return (
+      <div className={styles.pointsPage}>
+        <Spin size="large" />
+      </div>
+    )
+  if (!pkgResp) return <div className={styles.pointsPage}>充值包加载失败</div>
+
+  const userDiscount = pkgResp.user_discount
+  const hasDiscount = userDiscount != null && userDiscount < 1
+
   return (
-    <div className="xx-points-page">
-      <PageHead
-        title="积分充值"
-        description="积分永久有效，可用于全部 AI 功能；付费会员享折扣"
+    <div className={styles.pointsPage}>
+      <h2 className={styles.pageTitle}>积分充值</h2>
 
-        actions={
-          <Space>
-            {!balance?.is_member && (
-              <Button icon={<CrownFilled />} onClick={() => navigate("/app/subscription")}>
-                升级会员 8 折起
-              </Button>
-            )}
-            <Button onClick={() => navigate("/app/points/transactions")}>积分明细</Button>
-          </Space>
-        }
-      />
-
-      {balance && (
-        <Card
-          bordered={false}
-          style={{ marginBottom: 16, background: "linear-gradient(135deg,#ede9fe,#fce7f3)" }}
-        >
-          <Space size="large">
-            <div>
-              <Text type="secondary">当前可用积分</Text>
-              <div style={{ fontSize: 28, fontWeight: 800, color: "#7c3aed" }}>
-                <ThunderboltOutlined /> {balance.balance.toLocaleString()}
-              </div>
-            </div>
-          </Space>
-        </Card>
+      {hasDiscount && (
+        <Alert
+          type="success"
+          showIcon
+          message={`当前账户享 ${Math.round(userDiscount * 100)}% 折扣优惠`}
+          style={{ marginBottom: 16 }}
+        />
       )}
 
-      <Title level={4}>选择积分包</Title>
-      <Row gutter={[20, 20]}>
-        {packages.map((pkg) => {
-          const price = getPackPrice(pkg)
-          const discount = price < pkg.price ? Math.round((1 - price / pkg.price) * 100) : 0
-          const unit = price / pkg.points
+      <div className={styles.packageGrid}>
+        {pkgResp.packages.map((pkg) => {
+          const isSelected = selectedCode === pkg.code
+          const discountPrice = getDiscountPriceCents(pkg, userDiscount)
+          const isDiscounted = discountPrice < pkg.price_cents
+          const priceYuan = (discountPrice / 100).toFixed(2).replace(/\.00$/, "")
+          const originalYuan = (pkg.price_cents / 100).toFixed(2).replace(/\.00$/, "")
+
           return (
-            <Col xs={24} sm={12} md={8} key={pkg.id}>
-              <Card
-                className={`xx-pkg-card ${pkg.id === "basic_pack" ? "recommended" : ""} ${discount > 0 ? "has-discount" : ""}`}
-                hoverable
+            <Card
+              key={pkg.code}
+              hoverable
+              className={`${styles.packageCard} ${isSelected ? styles.selected : ""}`}
+              onClick={() => setSelectedCode(pkg.code)}
+            >
+              {isSelected && <CheckCircleFilled className={styles.selectedIcon} />}
+              <div className={styles.packagePoints}>
+                <ThunderboltOutlined className={styles.pointsIcon} />
+                <span className={styles.pointsNum}>{pkg.points}</span>
+                <span className={styles.pointsUnit}>积分</span>
+              </div>
+              <div className={styles.packageName}>{pkg.name}</div>
+              <div className={styles.packagePrice}>
+                <span className={styles.priceSymbol}>¥</span>
+                <span className={styles.priceNum}>{priceYuan}</span>
+                {isDiscounted && <span className={styles.originalPrice}>¥{originalYuan}</span>}
+              </div>
+              {pkg.unit_price < 0.1 && (
+                <Tag color="orange" className={styles.hotTag}>
+                  超值
+                </Tag>
+              )}
+              <Button
+                type="primary"
+                block
+                loading={ordering === pkg.code}
+                onClick={(e) => {
+                  e.stopPropagation()
+                  handleRecharge(pkg)
+                }}
+                className={styles.buyBtn}
               >
-                {pkg.id === "basic_pack" && <div className="xx-pkg-badge">热门</div>}
-                {discount > 0 && (
-                  <Tag color="gold" className="xx-pkg-discount">
-                    会员{10 - discount / 10}折
-                  </Tag>
-                )}
-                <div className="xx-pkg-name">{pkg.name}</div>
-                <div className="xx-pkg-points">
-                  <ThunderboltOutlined /> {pkg.points.toLocaleString()} 积分
-                </div>
-                <div className="xx-pkg-price">
-                  <span className="currency">¥</span>
-                  <span className="amount">
-                    {(price / 100).toFixed(price % 100 === 0 ? 0 : 1).replace(/\.0$/, "")}
-                  </span>
-                  {discount > 0 && (
-                    <span className="xx-pkg-origin">¥{(pkg.price / 100).toFixed(0)}</span>
-                  )}
-                </div>
-                <div className="xx-pkg-unit">≈¥{unit.toFixed(3)}/积分 · 永久有效</div>
-                <Button
-                  block
-                  type={pkg.id === "basic_pack" ? "primary" : "default"}
-                  loading={buying === pkg.id}
-                  onClick={() => handleBuy(pkg)}
-                  size="large"
-                  style={{ marginTop: 16 }}
-                >
-                  立即购买
-                </Button>
-              </Card>
-            </Col>
+                立即充值
+              </Button>
+            </Card>
           )
         })}
-      </Row>
+      </div>
 
-      <Card style={{ marginTop: 24 }}>
-        <Title level={5}>积分消耗说明</Title>
-        <ul style={{ paddingLeft: 20, color: "var(--text-secondary)", lineHeight: 2 }}>
-          <li>智能混剪：3 积分/条（≤30s），每加 30s +1 积分</li>
-          <li>AI 配音 / 声音克隆合成：1 积分/分钟</li>
-          <li>AI 数字人：15 积分/分钟</li>
-          <li>抖音链接提取 / AI 改写 / AI 标题 / AI 封面：1~2 积分/次</li>
-          <li>声音克隆训练：免费</li>
-          <li>免费用户每日 2 条混剪免费，其余 AI 功能消耗为会员价 ×1.15</li>
-        </ul>
-        <Tooltip title="具体规则以系统实际计算为准">
-          <Text type="secondary" style={{ fontSize: 12 }}>
-            <SafetyCertificateOutlined /> 所有规则以页面实际显示为准
-          </Text>
-        </Tooltip>
-      </Card>
+      <Alert
+        type="info"
+        showIcon
+        message="充值说明"
+        description="积分永久有效；当前支付通道接入中，下单后请稍后刷新查看积分到账情况。"
+        style={{ marginTop: 24 }}
+      />
     </div>
   )
 }
 
-export default PointsRecharge
-export const Component = PointsRecharge
+export default PointsPackagesPage