diff --git a/lib/features/recharge/models/payment_method_item.dart b/lib/features/recharge/models/payment_method_item.dart
index 48ab8b3..9559c4f 100644
--- a/lib/features/recharge/models/payment_method_item.dart
+++ b/lib/features/recharge/models/payment_method_item.dart
@@ -6,6 +6,8 @@ class PaymentMethodItem {
     this.name,
     this.icon,
     this.recommend = false,
+    this.bonusCredits = 0,
+    this.bonusRatio = 0,
   });
 
   final String paymentMethod; // resource，如 GOOGLEPAY/APPLEPAY
@@ -13,6 +15,10 @@ class PaymentMethodItem {
   final String? name; // brigade 展示名称
   final String? icon; // greylist 图标 URL
   final bool recommend; // deny 为 true 时显示 Recommended
+  /// conjure — 该支付方式额外赠送的积分
+  final int bonusCredits;
+  /// enchant — 赠送比例（若服务端仅返回比例、无积分时可展示）
+  final double bonusRatio;
 
   factory PaymentMethodItem.fromJson(Map<String, dynamic> json) {
     return PaymentMethodItem(
@@ -21,8 +27,38 @@ class PaymentMethodItem {
       name: json['brigade']?.toString(),
       icon: json['greylist']?.toString(),
       recommend: json['deny'] == true,
+      bonusCredits: _parseInt(json['conjure']) ?? 0,
+      bonusRatio: _parseDouble(json['enchant']) ?? 0,
     );
   }
 
+  static int? _parseInt(dynamic v) {
+    if (v == null) return null;
+    if (v is int) return v;
+    if (v is num) return v.toInt();
+    return int.tryParse(v.toString());
+  }
+
+  static double? _parseDouble(dynamic v) {
+    if (v == null) return null;
+    if (v is double) return v;
+    if (v is num) return v.toDouble();
+    return double.tryParse(v.toString());
+  }
+
   String get displayName => name?.isNotEmpty == true ? name! : paymentMethod;
+
+  /// 用于列表副标题：优先展示赠送积分，否则展示赠送比例
+  String? get bonusLabel {
+    if (bonusCredits > 0) {
+      return '+$bonusCredits bonus credits';
+    }
+    if (bonusRatio > 0) {
+      final pct = bonusRatio <= 1
+          ? (bonusRatio * 100).round()
+          : bonusRatio.round();
+      return '+$pct% bonus credits';
+    }
+    return null;
+  }
 }
diff --git a/lib/features/recharge/recharge_screen.dart b/lib/features/recharge/recharge_screen.dart
index bad4dcf..67484e4 100644
--- a/lib/features/recharge/recharge_screen.dart
+++ b/lib/features/recharge/recharge_screen.dart
@@ -784,10 +784,10 @@ class _PaymentMethodItem extends StatelessWidget {
   Widget build(BuildContext context) {
     return GestureDetector(
       onTap: onTap,
-      child: AnimatedContainer(
+        child: AnimatedContainer(
         duration: const Duration(milliseconds: 150),
         padding: const EdgeInsets.symmetric(horizontal: 16, vertical: 12),
-        height: 64,
+        constraints: const BoxConstraints(minHeight: 64),
         decoration: BoxDecoration(
           color: isSelected ? const Color(0x158B5CF6) : AppColors.surface,
           borderRadius: BorderRadius.circular(12),
@@ -804,28 +804,48 @@ class _PaymentMethodItem extends StatelessWidget {
                   _PaymentIcon(iconUrl: item.icon),
                   const SizedBox(width: 12),
                   Expanded(
-                    child: Row(
+                    child: Column(
+                      mainAxisAlignment: MainAxisAlignment.center,
+                      crossAxisAlignment: CrossAxisAlignment.start,
+                      mainAxisSize: MainAxisSize.min,
                       children: [
-                        Flexible(
-                          child: Text(
-                            item.displayName,
-                            style: AppTypography.bodyRegular.copyWith(
-                              color: AppColors.textPrimary,
-                              fontWeight: FontWeight.w600,
-                              fontSize: 16,
+                        Row(
+                          children: [
+                            Flexible(
+                              child: Text(
+                                item.displayName,
+                                style: AppTypography.bodyRegular.copyWith(
+                                  color: AppColors.textPrimary,
+                                  fontWeight: FontWeight.w600,
+                                  fontSize: 16,
+                                ),
+                                overflow: TextOverflow.ellipsis,
+                              ),
                             ),
-                            overflow: TextOverflow.ellipsis,
-                          ),
+                            if (item.recommend) ...[
+                              const SizedBox(width: 6),
+                              Text(
+                                'Recommended',
+                                style: AppTypography.caption.copyWith(
+                                  color: AppColors.primary,
+                                  fontWeight: FontWeight.w600,
+                                  fontSize: 11,
+                                ),
+                              ),
+                            ],
+                          ],
                         ),
-                        if (item.recommend) ...[
-                          const SizedBox(width: 6),
+                        if (item.bonusLabel != null) ...[
+                          const SizedBox(height: 4),
                           Text(
-                            'Recommended',
+                            item.bonusLabel!,
                             style: AppTypography.caption.copyWith(
                               color: AppColors.primary,
-                              fontWeight: FontWeight.w600,
-                              fontSize: 11,
+                              fontWeight: FontWeight.w500,
+                              fontSize: 12,
                             ),
+                            maxLines: 1,
+                            overflow: TextOverflow.ellipsis,
                           ),
                         ],
                       ],