diff --git a/src/app/subscription/components/index.ts b/src/app/subscription/components/index.ts
index bc1f58c9..8b02f37f 100644
--- a/src/app/subscription/components/index.ts
+++ b/src/app/subscription/components/index.ts
@@ -6,9 +6,11 @@ export * from "./subscription-back-link";
 export * from "./subscription-banner";
 export * from "./subscription-benefits-card";
 export * from "./subscription-checkout-button";
+export * from "./subscription-coins-offer-section";
 export * from "./subscription-cta-button";
 export * from "./subscription-payment-method";
 export * from "./subscription-payment-success-dialog";
 export * from "./subscription-plan-card";
 export * from "./subscription-user-row";
+export * from "./subscription-vip-offer-section";
 export * from "./stripe-payment-dialog";
diff --git a/src/app/subscription/components/subscription-coins-offer-section.module.css b/src/app/subscription/components/subscription-coins-offer-section.module.css
new file mode 100644
index 00000000..a1982680
--- /dev/null
+++ b/src/app/subscription/components/subscription-coins-offer-section.module.css
@@ -0,0 +1,116 @@
+.section {
+  margin: 18px -30px 0;
+}
+
+.heading {
+  position: relative;
+  padding: 14px 16px 18px;
+  background: #d9d9d9;
+}
+
+.title {
+  margin: 0;
+  color: #111111;
+  font-size: 22px;
+  font-weight: 800;
+  line-height: 1.2;
+}
+
+.notch {
+  position: absolute;
+  left: 50%;
+  bottom: -12px;
+  width: 24px;
+  height: 24px;
+  background: #d9d9d9;
+  transform: translateX(-50%) rotate(45deg);
+}
+
+.panel {
+  position: relative;
+  z-index: 1;
+  margin-top: 12px;
+  padding: 8px 16px 8px 12px;
+  border: 1px solid #8d8d8d;
+  border-radius: 14px;
+  background: #d9d9d9;
+}
+
+.row {
+  display: grid;
+  grid-template-columns: 50px minmax(0, 1fr) auto;
+  align-items: center;
+  width: 100%;
+  min-height: 42px;
+  padding: 0;
+  border: 0;
+  border-bottom: 3px solid #828282;
+  background: transparent;
+  color: #4f4f4f;
+  cursor: pointer;
+  font: inherit;
+  text-align: left;
+  transition: background-color 0.15s ease, color 0.15s ease;
+}
+
+.row:last-child {
+  border-bottom-width: 3px;
+}
+
+.row:focus-visible {
+  outline: 2px solid #f657a0;
+  outline-offset: 2px;
+}
+
+.selected {
+  color: #111111;
+}
+
+.coinIcon {
+  display: inline-flex;
+  width: 28px;
+  height: 28px;
+  align-items: center;
+  justify-content: center;
+  justify-self: center;
+  border-radius: 999px;
+  background: #ffffff;
+  color: #5f5f5f;
+  font-size: 12px;
+  line-height: 1;
+  text-transform: lowercase;
+}
+
+.coins {
+  min-width: 0;
+  font-size: 16px;
+  font-weight: 600;
+  line-height: 1.2;
+}
+
+.price {
+  font-size: 16px;
+  font-weight: 600;
+  line-height: 1.2;
+  white-space: nowrap;
+}
+
+@media (max-width: 360px) {
+  .title {
+    font-size: 20px;
+  }
+
+  .panel {
+    padding-right: 14px;
+    padding-left: 10px;
+  }
+
+  .row {
+    grid-template-columns: 46px minmax(0, 1fr) auto;
+  }
+
+  .coins,
+  .price {
+    font-size: 14px;
+  }
+}
diff --git a/src/app/subscription/components/subscription-coins-offer-section.tsx b/src/app/subscription/components/subscription-coins-offer-section.tsx
new file mode 100644
index 00000000..662293bf
--- /dev/null
+++ b/src/app/subscription/components/subscription-coins-offer-section.tsx
@@ -0,0 +1,54 @@
+"use client";
+
+import styles from "./subscription-coins-offer-section.module.css";
+
+export interface CoinsOfferPlanView {
+  id: string;
+  coins: number;
+  price: string;
+  currency: string;
+}
+
+export interface SubscriptionCoinsOfferSectionProps {
+  plans: readonly CoinsOfferPlanView[];
+  selectedPlanId: string | null;
+  onSelectPlan: (planId: string) => void;
+}
+
+export function SubscriptionCoinsOfferSection({
+  plans,
+  selectedPlanId,
+  onSelectPlan,
+}: SubscriptionCoinsOfferSectionProps) {
+  return (
+    <section className={styles.section} aria-label="Buy coins directly">
+      <div className={styles.heading}>
+        <h2 className={styles.title}>直接充值购买积分</h2>
+        <span className={styles.notch} aria-hidden="true" />
+      </div>
+
+      <div className={styles.panel}>
+        {plans.map((plan) => {
+          const selected = selectedPlanId === plan.id;
+          return (
+            <button
+              key={plan.id}
+              type="button"
+              className={`${styles.row} ${selected ? styles.selected : ""}`}
+              aria-pressed={selected}
+              aria-label={`${plan.coins} Coins, ${plan.currency}${plan.price}`}
+              onClick={() => onSelectPlan(plan.id)}
+            >
+              <span className={styles.coinIcon}>coins</span>
+              <span className={styles.coins}>{plan.coins} Coins</span>
+              <span className={styles.price}>
+                {plan.currency}
+                {plan.price}
+              </span>
+            </button>
+          );
+        })}
+      </div>
+    </section>
+  );
+}
diff --git a/src/app/subscription/components/subscription-vip-offer-section.module.css b/src/app/subscription/components/subscription-vip-offer-section.module.css
new file mode 100644
index 00000000..6fba0db5
--- /dev/null
+++ b/src/app/subscription/components/subscription-vip-offer-section.module.css
@@ -0,0 +1,139 @@
+.section {
+  margin: 18px -30px 0;
+}
+
+.summary {
+  position: relative;
+  padding: 10px 10px 16px;
+  background: #d9d9d9;
+}
+
+.title {
+  display: flex;
+  align-items: baseline;
+  gap: 10px;
+  margin: 0;
+  line-height: 1.25;
+}
+
+.titleText {
+  color: #111111;
+  font-size: 20px;
+  font-weight: 800;
+}
+
+.renewText {
+  color: #7d7d7d;
+  font-size: 14px;
+  font-weight: 700;
+}
+
+.subtitle {
+  margin: 8px 0 0;
+  color: #666666;
+  font-size: 15px;
+  font-weight: 700;
+  line-height: 1.3;
+}
+
+.notch {
+  position: absolute;
+  left: 50%;
+  bottom: -12px;
+  width: 24px;
+  height: 24px;
+  background: #d9d9d9;
+  transform: translateX(-50%) rotate(45deg);
+}
+
+.planGrid {
+  position: relative;
+  z-index: 1;
+  display: grid;
+  grid-template-columns: repeat(3, minmax(0, 1fr));
+  gap: 10px;
+  padding: 14px 10px 0;
+}
+
+.planCard {
+  display: flex;
+  min-width: 0;
+  min-height: 116px;
+  flex-direction: column;
+  align-items: center;
+  justify-content: center;
+  padding: 12px 6px 10px;
+  border: 0;
+  border-radius: 14px;
+  background: #f4f4f4;
+  color: #111111;
+  cursor: pointer;
+  font: inherit;
+  text-align: center;
+  transition: background-color 0.15s ease, transform 0.05s ease;
+}
+
+.planCard:focus-visible {
+  outline: 2px solid #f657a0;
+  outline-offset: 2px;
+}
+
+.planCard:active {
+  transform: scale(0.98);
+}
+
+.selected {
+  background: #d9d9d9;
+}
+
+.planTitle {
+  font-size: 19px;
+  font-weight: 800;
+  line-height: 1.15;
+  white-space: nowrap;
+}
+
+.priceLine {
+  display: inline-flex;
+  align-items: flex-end;
+  justify-content: center;
+  margin-top: 4px;
+  line-height: 1;
+}
+
+.price {
+  font-size: 30px;
+  font-weight: 500;
+  letter-spacing: -0.8px;
+}
+
+.currency {
+  margin-bottom: 3px;
+  color: #777777;
+  font-size: 12px;
+  font-weight: 700;
+  text-transform: lowercase;
+}
+
+.originalPrice {
+  margin-top: 10px;
+  color: #7c7c7c;
+  font-size: 14px;
+  font-weight: 800;
+  line-height: 1;
+  text-decoration: line-through;
+}
+
+@media (max-width: 360px) {
+  .planGrid {
+    gap: 8px;
+  }
+
+  .planTitle {
+    font-size: 17px;
+  }
+
+  .price {
+    font-size: 27px;
+  }
+}
diff --git a/src/app/subscription/components/subscription-vip-offer-section.tsx b/src/app/subscription/components/subscription-vip-offer-section.tsx
new file mode 100644
index 00000000..18de4de1
--- /dev/null
+++ b/src/app/subscription/components/subscription-vip-offer-section.tsx
@@ -0,0 +1,59 @@
+"use client";
+
+import styles from "./subscription-vip-offer-section.module.css";
+
+export interface VipOfferPlanView {
+  id: string;
+  title: string;
+  price: string;
+  currency: string;
+  originalPrice: string;
+}
+
+export interface SubscriptionVipOfferSectionProps {
+  plans: readonly VipOfferPlanView[];
+  selectedPlanId: string | null;
+  onSelectPlan: (planId: string) => void;
+}
+
+export function SubscriptionVipOfferSection({
+  plans,
+  selectedPlanId,
+  onSelectPlan,
+}: SubscriptionVipOfferSectionProps) {
+  return (
+    <section className={styles.section} aria-label="Choose a VIP plan">
+      <div className={styles.summary}>
+        <h1 className={styles.title}>
+          <span className={styles.titleText}>VIP会员</span>
+          <span className={styles.renewText}>（到期自动续费，可随时取消）</span>
+        </h1>
+        <p className={styles.subtitle}>每月送3000积分，每日早上畅聊到晚上</p>
+        <span className={styles.notch} aria-hidden="true" />
+      </div>
+
+      <div className={styles.planGrid}>
+        {plans.map((plan) => {
+          const selected = selectedPlanId === plan.id;
+          return (
+            <button
+              key={plan.id}
+              type="button"
+              className={`${styles.planCard} ${selected ? styles.selected : ""}`}
+              aria-pressed={selected}
+              aria-label={`${plan.title}, ${plan.price} ${plan.currency}`}
+              onClick={() => onSelectPlan(plan.id)}
+            >
+              <span className={styles.planTitle}>{plan.title}</span>
+              <span className={styles.priceLine}>
+                <span className={styles.price}>{plan.price}</span>
+                <span className={styles.currency}>{plan.currency}</span>
+              </span>
+              <span className={styles.originalPrice}>{plan.originalPrice}</span>
+            </button>
+          );
+        })}
+      </div>
+    </section>
+  );
+}
diff --git a/src/app/subscription/subscription-screen.helpers.ts b/src/app/subscription/subscription-screen.helpers.ts
index a0747b74..f8dcb957 100644
--- a/src/app/subscription/subscription-screen.helpers.ts
+++ b/src/app/subscription/subscription-screen.helpers.ts
@@ -1,6 +1,8 @@
 import type { PaymentPlan } from "@/data/dto/payment";
 
+import type { CoinsOfferPlanView } from "./components/subscription-coins-offer-section";
 import type { SubscriptionPlanView } from "./components/subscription-plan-card";
+import type { VipOfferPlanView } from "./components/subscription-vip-offer-section";
 
 export type SubscriptionType = "vip" | "voice";
 
@@ -9,17 +11,29 @@ export const SUBSCRIPTION_BANNER_TITLES: Record<SubscriptionType, string> = {
   voice: "Buy Voice Message Package",
 };
 
-function isVipPlan(plan: PaymentPlan): boolean {
+export function isVipPlan(plan: PaymentPlan): boolean {
   return plan.orderType.startsWith("vip_") || plan.planId.startsWith("vip_");
 }
 
+export function isCreditPlan(plan: PaymentPlan): boolean {
+  const orderType = plan.orderType.toLowerCase();
+  const planId = plan.planId.toLowerCase();
+  return (
+    plan.dolAmount !== null ||
+    orderType.startsWith("dol_") ||
+    orderType.startsWith("credit_") ||
+    planId.startsWith("dol_") ||
+    planId.startsWith("credit_") ||
+    orderType.includes("credit") ||
+    planId.includes("credit")
+  );
+}
+
 function isVoicePackagePlan(plan: PaymentPlan): boolean {
   const orderType = plan.orderType.toLowerCase();
   const planId = plan.planId.toLowerCase();
   return (
-    plan.dolAmount !== null ||
-    orderType.startsWith("dol_") ||
-    planId.startsWith("dol_") ||
+    isCreditPlan(plan) ||
     orderType.includes("voice") ||
     planId.includes("voice")
   );
@@ -35,8 +49,9 @@ export function isPlanForType(
 }
 
 function currencySymbol(currency: string): string {
-  if (currency === "CNY") return "¥";
-  if (currency === "USD") return "$";
+  const normalized = currency.toUpperCase();
+  if (normalized === "CNY") return "¥";
+  if (normalized === "USD") return "$";
   return `${currency} `;
 }
 
@@ -46,6 +61,33 @@ function formatAmount(amountCents: number | null): string | null {
   return (amountCents / 100).toFixed(2).replace(/\.?0+$/, "");
 }
 
+function formatOfferAmount(amountCents: number | null): string {
+  return (formatAmount(amountCents) ?? "").replace(".", ",");
+}
+
+function formatOfferCurrency(currency: string): string {
+  const normalized = currency.toUpperCase();
+  if (normalized === "USD") return "usd";
+  return currency.toLowerCase();
+}
+
+function formatCoinCurrency(currency: string): string {
+  const normalized = currency.toUpperCase();
+  if (normalized === "USD") return "US$";
+  if (normalized === "CNY") return "¥";
+  return `${currency} `;
+}
+
+function vipOfferTitle(plan: PaymentPlan): string {
+  const key = `${plan.planId} ${plan.orderType} ${plan.planName}`.toLowerCase();
+  if (key.includes("year")) return "连续包年";
+  if (key.includes("quarter")) return "连续包季";
+  if (key.includes("month")) return "连续包月";
+  if (plan.vipDays !== null && plan.vipDays >= 300) return "连续包年";
+  if (plan.vipDays !== null && plan.vipDays >= 80) return "连续包季";
+  return plan.planName;
+}
+
 function planCaption(
   plan: PaymentPlan,
   subscriptionType: SubscriptionType,
@@ -79,3 +121,22 @@ export function toPlanView(
     currencySymbol: currencySymbol(plan.currency),
   };
 }
+
+export function toVipOfferPlanView(plan: PaymentPlan): VipOfferPlanView {
+  return {
+    id: plan.planId,
+    title: vipOfferTitle(plan),
+    price: formatOfferAmount(plan.amountCents),
+    currency: formatOfferCurrency(plan.currency),
+    originalPrice: formatOfferAmount(plan.originalAmountCents),
+  };
+}
+
+export function toCoinsOfferPlanView(plan: PaymentPlan): CoinsOfferPlanView {
+  return {
+    id: plan.planId,
+    coins: plan.dolAmount ?? 0,
+    price: formatOfferAmount(plan.amountCents),
+    currency: formatCoinCurrency(plan.currency),
+  };
+}
diff --git a/src/app/subscription/subscription-screen.tsx b/src/app/subscription/subscription-screen.tsx
index 3b1b2ab7..58ff63b3 100644
--- a/src/app/subscription/subscription-screen.tsx
+++ b/src/app/subscription/subscription-screen.tsx
@@ -17,7 +17,6 @@ import { useRouter } from "next/navigation";
 
 import { Checkbox, MobileShell } from "@/app/_components/core";
 import { AppConstants } from "@/core/app_constants";
-import { VIP_BENEFITS } from "@/data/constants/vip-benefits";
 import { PendingPaymentOrderStorage } from "@/data/storage";
 import {
   usePaymentDispatch,
@@ -29,18 +28,23 @@ import { ROUTES } from "@/router/routes";
 import {
   SubscriptionBackLink,
   SubscriptionBanner,
-  SubscriptionBenefitsCard,
   SubscriptionCheckoutButton,
+  SubscriptionCoinsOfferSection,
   SubscriptionPaymentMethod,
   SubscriptionPaymentSuccessDialog,
   SubscriptionPlanCard,
   SubscriptionUserRow,
+  SubscriptionVipOfferSection,
 } from "./components";
 import styles from "./components/subscription-screen.module.css";
 import {
   SUBSCRIPTION_BANNER_TITLES,
+  isCreditPlan,
   isPlanForType,
+  isVipPlan,
+  toCoinsOfferPlanView,
   toPlanView,
+  toVipOfferPlanView,
   type SubscriptionType,
 } from "./subscription-screen.helpers";
 
@@ -71,6 +75,7 @@ export function SubscriptionScreen({
     useState(false);
   const [pendingChatReturnAfterVipSync, setPendingChatReturnAfterVipSync] =
     useState(false);
+  const isVipSubscription = subscriptionType === "vip";
 
   useEffect(() => {
     if (payment.status === "idle") {
@@ -187,9 +192,25 @@ export function SubscriptionScreen({
         .map((plan) => toPlanView(plan, subscriptionType)),
     [payment.plans, subscriptionType],
   );
+  const vipOfferPlans = useMemo(
+    () =>
+      payment.plans
+        .filter(isVipPlan)
+        .slice(0, 3)
+        .map(toVipOfferPlanView),
+    [payment.plans],
+  );
+  const directCoinsPlans = useMemo(
+    () => payment.plans.filter(isCreditPlan).map(toCoinsOfferPlanView),
+    [payment.plans],
+  );
 
   const selectedPlan =
-    plans.find((plan) => plan.id === payment.selectedPlanId) ?? null;
+    (isVipSubscription
+      ? [...vipOfferPlans, ...directCoinsPlans].find(
+          (plan) => plan.id === payment.selectedPlanId,
+        )
+      : plans.find((plan) => plan.id === payment.selectedPlanId)) ?? null;
   const isPaymentBusy =
     payment.isCreatingOrder ||
     payment.isPollingOrder ||
@@ -199,9 +220,6 @@ export function SubscriptionScreen({
 
   const name = user.currentUser?.username ?? FALLBACK_USERNAME;
   const avatarUrl = user.avatarUrl ?? user.currentUser?.avatarUrl ?? null;
-  const autoRenewCaption = payment.autoRenew
-    ? "It will automatically renew upon expiration, and can be canceled at any time"
-    : "This plan is a one-time purchase and will not automatically renew";
   const plansStatusMessage =
     subscriptionType === "voice"
       ? "Voice packages are unavailable."
@@ -260,6 +278,29 @@ export function SubscriptionScreen({
   }, [pendingChatReturnAfterVipSync, subscriptionType, user.currentUser?.isVip]);
 
   useEffect(() => {
+    if (isVipSubscription) {
+      const firstVipPlanId = vipOfferPlans[0]?.id ?? "";
+      const hasSelectedVipPlan = vipOfferPlans.some(
+        (plan) => plan.id === payment.selectedPlanId,
+      );
+      const hasSelectedCoinsPlan = directCoinsPlans.some(
+        (plan) => plan.id === payment.selectedPlanId,
+      );
+      const canSelectPlan =
+        firstVipPlanId.length > 0 &&
+        (payment.status === "ready" ||
+          payment.status === "paid" ||
+          payment.status === "failed");
+
+      if (!canSelectPlan || hasSelectedVipPlan || hasSelectedCoinsPlan) return;
+
+      paymentDispatch({
+        type: "PaymentPlanSelected",
+        planId: firstVipPlanId,
+      });
+      return;
+    }
+
     if (payment.isLoadingPlans || payment.plans.length === 0) return;
     if (selectedPlan !== null) return;
 
@@ -276,8 +317,13 @@ export function SubscriptionScreen({
     payment.isLoadingPlans,
     payment.plans,
     paymentDispatch,
+    payment.selectedPlanId,
+    payment.status,
+    directCoinsPlans,
+    isVipSubscription,
     selectedPlan,
     subscriptionType,
+    vipOfferPlans,
   ]);
 
   return (
@@ -287,45 +333,69 @@ export function SubscriptionScreen({
           <SubscriptionBackLink className={styles.backSlot} />
         </header>
 
-        <section className={styles.userSlot}>
-          <SubscriptionUserRow name={name} avatarUrl={avatarUrl} />
-        </section>
+        {isVipSubscription ? (
+          <>
+            <SubscriptionVipOfferSection
+              plans={vipOfferPlans}
+              selectedPlanId={payment.selectedPlanId || selectedPlan?.id || null}
+              onSelectPlan={(planId) =>
+                paymentDispatch({
+                  type: "PaymentPlanSelected",
+                  planId,
+                })
+              }
+            />
+            <SubscriptionCoinsOfferSection
+              plans={directCoinsPlans}
+              selectedPlanId={payment.selectedPlanId || selectedPlan?.id || null}
+              onSelectPlan={(planId) =>
+                paymentDispatch({
+                  type: "PaymentPlanSelected",
+                  planId,
+                })
+              }
+            />
+          </>
+        ) : (
+          <>
+            <section className={styles.userSlot}>
+              <SubscriptionUserRow name={name} avatarUrl={avatarUrl} />
+            </section>
 
-        <section className={styles.bannerSlot}>
-          <SubscriptionBanner
-            title={SUBSCRIPTION_BANNER_TITLES[subscriptionType]}
-          />
-        </section>
-
-        <section
-          className={styles.plansRow}
-          aria-label={plansAriaLabel}
-        >
-          {plans.length > 0 ? (
-            plans.map((plan, index) => (
-              <SubscriptionPlanCard
-                key={plan.id}
-                plan={plan}
-                gradientIndex={index}
-                selected={payment.selectedPlanId === plan.id}
-                onClick={() =>
-                  paymentDispatch({
-                    type: "PaymentPlanSelected",
-                    planId: plan.id,
-                  })
-                }
+            <section className={styles.bannerSlot}>
+              <SubscriptionBanner
+                title={SUBSCRIPTION_BANNER_TITLES[subscriptionType]}
               />
-            ))
-          ) : (
-            <p className={styles.plansStatus}>
-              {payment.isLoadingPlans
-                ? "Loading membership plans..."
-                : payment.errorMessage ?? plansStatusMessage}
-            </p>
-          )}
-        </section>
+            </section>
 
-        <p className={styles.autoRenewCaption}>{autoRenewCaption}</p>
+            <section className={styles.plansRow} aria-label={plansAriaLabel}>
+              {plans.length > 0 ? (
+                plans.map((plan, index) => (
+                  <SubscriptionPlanCard
+                    key={plan.id}
+                    plan={plan}
+                    gradientIndex={index}
+                    selected={payment.selectedPlanId === plan.id}
+                    onClick={() =>
+                      paymentDispatch({
+                        type: "PaymentPlanSelected",
+                        planId: plan.id,
+                      })
+                    }
+                  />
+                ))
+              ) : (
+                <p className={styles.plansStatus}>
+                  {payment.isLoadingPlans
+                    ? "Loading membership plans..."
+                    : payment.errorMessage ?? plansStatusMessage}
+                </p>
+              )}
+            </section>
+          </>
+        )}
+
+        {/* <p className={styles.autoRenewCaption}>{autoRenewCaption}</p>
 
         <section className={styles.benefitsSlot}>
           {subscriptionType === "voice" ? (
@@ -336,7 +406,7 @@ export function SubscriptionScreen({
               items={VIP_BENEFITS}
             />
           )}
-        </section>
+        </section> */}
 
         <section className={styles.paymentMethodSlot}>
           <SubscriptionPaymentMethod
diff --git a/src/data/dto/payment/payment_plan.ts b/src/data/dto/payment/payment_plan.ts
index 76a62641..baaf9c49 100644
--- a/src/data/dto/payment/payment_plan.ts
+++ b/src/data/dto/payment/payment_plan.ts
@@ -15,6 +15,7 @@ export class PaymentPlan {
   declare readonly originalAmountCents: number | null;
   declare readonly dailyPriceCents: number | null;
   declare readonly currency: string;
+  declare readonly pricingTier: string;
   declare readonly vipDays: number | null;
   declare readonly dolAmount: number | null;
 
diff --git a/src/data/mock/payment/responses/payment-plans-credits.json b/src/data/mock/payment/responses/payment-plans-credits.json
new file mode 100644
index 00000000..f096bfa0
--- /dev/null
+++ b/src/data/mock/payment/responses/payment-plans-credits.json
@@ -0,0 +1,69 @@
+{
+  "code": 200,
+  "message": "success",
+  "success": true,
+  "data": {
+    "plans": [
+      {
+        "plan_id": "credit_1000",
+        "plan_name": "1000 Credits",
+        "order_type": "credit_recharge",
+        "amount_cents": 990,
+        "original_amount_cents": null,
+        "daily_price_cents": null,
+        "currency": "USD",
+        "pricing_tier": "T1",
+        "vip_days": null,
+        "dol_amount": 1000
+      },
+      {
+        "plan_id": "credit_2000",
+        "plan_name": "2000 Credits",
+        "order_type": "credit_recharge",
+        "amount_cents": 1690,
+        "original_amount_cents": null,
+        "daily_price_cents": null,
+        "currency": "USD",
+        "pricing_tier": "T1",
+        "vip_days": null,
+        "dol_amount": 2000
+      },
+      {
+        "plan_id": "credit_3000",
+        "plan_name": "3000 Credits",
+        "order_type": "credit_recharge",
+        "amount_cents": 2290,
+        "original_amount_cents": null,
+        "daily_price_cents": null,
+        "currency": "USD",
+        "pricing_tier": "T1",
+        "vip_days": null,
+        "dol_amount": 3000
+      },
+      {
+        "plan_id": "credit_5000",
+        "plan_name": "5000 Credits",
+        "order_type": "credit_recharge",
+        "amount_cents": 3490,
+        "original_amount_cents": null,
+        "daily_price_cents": null,
+        "currency": "USD",
+        "pricing_tier": "T1",
+        "vip_days": null,
+        "dol_amount": 5000
+      },
+      {
+        "plan_id": "credit_10000",
+        "plan_name": "10000 Credits",
+        "order_type": "credit_recharge",
+        "amount_cents": 6490,
+        "original_amount_cents": null,
+        "daily_price_cents": null,
+        "currency": "USD",
+        "pricing_tier": "T1",
+        "vip_days": null,
+        "dol_amount": 10000
+      }
+    ]
+  }
+}
diff --git a/src/data/mock/payment/responses/payment-plans-vip.json b/src/data/mock/payment/responses/payment-plans-vip.json
new file mode 100644
index 00000000..6da06179
--- /dev/null
+++ b/src/data/mock/payment/responses/payment-plans-vip.json
@@ -0,0 +1,45 @@
+{
+  "code": 200,
+  "message": "success",
+  "success": true,
+  "data": {
+    "plans": [
+      {
+        "plan_id": "vip_monthly",
+        "plan_name": "月度会员",
+        "order_type": "vip_monthly",
+        "amount_cents": 1999,
+        "original_amount_cents": 2499,
+        "daily_price_cents": 66,
+        "currency": "USD",
+        "pricing_tier": "T1",
+        "vip_days": 30,
+        "dol_amount": null
+      },
+      {
+        "plan_id": "vip_quarterly",
+        "plan_name": "季度会员",
+        "order_type": "vip_quarterly",
+        "amount_cents": 4999,
+        "original_amount_cents": 5999,
+        "daily_price_cents": 55,
+        "currency": "USD",
+        "pricing_tier": "T1",
+        "vip_days": 90,
+        "dol_amount": null
+      },
+      {
+        "plan_id": "vip_yearly",
+        "plan_name": "年度会员",
+        "order_type": "vip_yearly",
+        "amount_cents": 17999,
+        "original_amount_cents": 19999,
+        "daily_price_cents": 49,
+        "currency": "USD",
+        "pricing_tier": "T1",
+        "vip_days": 365,
+        "dol_amount": null
+      }
+    ]
+  }
+}
diff --git a/src/data/repositories/interfaces/ipayment_repository.ts b/src/data/repositories/interfaces/ipayment_repository.ts
index 9fd43fa5..815ae116 100644
--- a/src/data/repositories/interfaces/ipayment_repository.ts
+++ b/src/data/repositories/interfaces/ipayment_repository.ts
@@ -7,6 +7,7 @@ import type {
   CreatePaymentOrderResponse,
   PayChannel,
   PaymentOrderStatusResponse,
+  PaymentPlan,
   PaymentPlansResponse,
   PaymentVipStatusResponse,
 } from "@/data/dto/payment";
@@ -16,6 +17,12 @@ export interface IPaymentRepository {
   /** 获取套餐列表。 */
   getPlans(): Promise<Result<PaymentPlansResponse>>;
 
+  /** 获取会员套餐列表。 */
+  getVipPlans(): Promise<Result<PaymentPlan[]>>;
+
+  /** 获取积分套餐列表。 */
+  getCreditPlans(): Promise<Result<PaymentPlan[]>>;
+
   /** 创建支付订单。 */
   createOrder(
     planId: string,
diff --git a/src/data/repositories/payment_repository.ts b/src/data/repositories/payment_repository.ts
index 62d94bcf..01daba78 100644
--- a/src/data/repositories/payment_repository.ts
+++ b/src/data/repositories/payment_repository.ts
@@ -10,6 +10,7 @@ import {
   CreatePaymentOrderResponse,
   PayChannel,
   PaymentOrderStatusResponse,
+  PaymentPlan,
   PaymentPlansResponse,
   PaymentVipStatusResponse,
 } from "@/data/dto/payment";
@@ -25,6 +26,22 @@ export class PaymentRepository implements IPaymentRepository {
     return Result.wrap(() => this.api.getPlans());
   }
 
+  /** 获取会员套餐列表。 */
+  async getVipPlans(): Promise<Result<PaymentPlan[]>> {
+    return Result.wrap(async () => {
+      const response = await this.api.getPlans();
+      return response.plans.filter(isVipPaymentPlan);
+    });
+  }
+
+  /** 获取积分套餐列表。 */
+  async getCreditPlans(): Promise<Result<PaymentPlan[]>> {
+    return Result.wrap(async () => {
+      const response = await this.api.getPlans();
+      return response.plans.filter(isCreditPaymentPlan);
+    });
+  }
+
   /** 创建支付订单。 */
   async createOrder(
     planId: string,
@@ -54,3 +71,23 @@ export class PaymentRepository implements IPaymentRepository {
 
 /** 全局单例。 */
 export const paymentRepository = new PaymentRepository(paymentApi);
+
+export function isVipPaymentPlan(plan: PaymentPlan): boolean {
+  const orderType = plan.orderType.toLowerCase();
+  const planId = plan.planId.toLowerCase();
+  return orderType.startsWith("vip_") || planId.startsWith("vip_");
+}
+
+export function isCreditPaymentPlan(plan: PaymentPlan): boolean {
+  const orderType = plan.orderType.toLowerCase();
+  const planId = plan.planId.toLowerCase();
+  return (
+    plan.dolAmount !== null ||
+    orderType.startsWith("dol_") ||
+    orderType.startsWith("credit_") ||
+    planId.startsWith("dol_") ||
+    planId.startsWith("credit_") ||
+    orderType.includes("credit") ||
+    planId.includes("credit")
+  );
+}
diff --git a/src/data/schemas/payment/payment_plan.ts b/src/data/schemas/payment/payment_plan.ts
index 6bbd2c72..add65792 100644
--- a/src/data/schemas/payment/payment_plan.ts
+++ b/src/data/schemas/payment/payment_plan.ts
@@ -11,6 +11,7 @@ const PaymentPlanWireSchema = z.object({
   original_amount_cents: z.number().nullable().default(null),
   daily_price_cents: z.number().nullable().default(null),
   currency: z.string(),
+  pricing_tier: z.string(),
   vip_days: z.number().nullable(),
   dol_amount: z.number().nullable(),
 });
@@ -28,6 +29,7 @@ export const PaymentPlanSchema = z
         original_amount_cents: data.originalAmountCents,
         daily_price_cents: data.dailyPriceCents,
         currency: data.currency,
+        pricing_tier: data.pricingTier,
         vip_days: data.vipDays,
         dol_amount: data.dolAmount,
       };
@@ -42,6 +44,7 @@ export const PaymentPlanSchema = z
     originalAmountCents: data.original_amount_cents,
     dailyPriceCents: data.daily_price_cents,
     currency: data.currency,
+    pricingTier: data.pricing_tier,
     vipDays: data.vip_days,
     dolAmount: data.dol_amount,
   }));
diff --git a/src/stores/payment/__tests__/payment-machine.test.ts b/src/stores/payment/__tests__/payment-machine.test.ts
index 87bf9099..c944ca21 100644
--- a/src/stores/payment/__tests__/payment-machine.test.ts
+++ b/src/stores/payment/__tests__/payment-machine.test.ts
@@ -26,6 +26,7 @@ const monthlyPlan = {
   original_amount_cents: null,
   daily_price_cents: 33,
   currency: "usd",
+  pricing_tier: "T1",
   vip_days: 30,
   dol_amount: null,
 };
@@ -38,10 +39,24 @@ const lifetimePlan = {
   original_amount_cents: null,
   daily_price_cents: null,
   currency: "usd",
+  pricing_tier: "T1",
   vip_days: null,
   dol_amount: null,
 };
 
+const creditPlan = {
+  plan_id: "credit_1000",
+  plan_name: "1000 Credits",
+  order_type: "credit_recharge",
+  amount_cents: 990,
+  original_amount_cents: null,
+  daily_price_cents: null,
+  currency: "usd",
+  pricing_tier: "T1",
+  vip_days: null,
+  dol_amount: 1000,
+};
+
 function createTestPaymentMachine(
   overrides: Partial<{
     createOrderSpy: CreateOrderSpy;
@@ -218,4 +233,19 @@ describe("paymentMachine", () => {
 
     actor.stop();
   });
+
+  it("disables auto renew for credit recharge plans", async () => {
+    const actor = createActor(createTestPaymentMachine()).start();
+
+    actor.send({ type: "PaymentInit" });
+    await waitFor(actor, (snapshot) => snapshot.matches("ready"));
+
+    actor.send({ type: "PaymentPlanSelected", planId: creditPlan.plan_id });
+
+    const context = actor.getSnapshot().context;
+    expect(context.selectedPlanId).toBe("credit_1000");
+    expect(context.autoRenew).toBe(false);
+
+    actor.stop();
+  });
 });
diff --git a/src/stores/payment/payment-machine.ts b/src/stores/payment/payment-machine.ts
index f7718502..89835b89 100644
--- a/src/stores/payment/payment-machine.ts
+++ b/src/stores/payment/payment-machine.ts
@@ -25,7 +25,12 @@ function toErrorMessage(error: unknown): string {
 }
 
 function defaultAutoRenewForPlan(planId: string): boolean {
-  return !planId.includes("lifetime") && !planId.startsWith("dol_");
+  return (
+    !planId.includes("lifetime") &&
+    !planId.startsWith("dol_") &&
+    !planId.startsWith("points_") &&
+    !planId.startsWith("credit_")
+  );
 }
 
 function getDefaultPlanId(plans: readonly PaymentPlan[]): string {