diff --git a/packages/shared/src/components/PlatformProfileRechargeModal/index.tsx b/packages/shared/src/components/PlatformProfileRechargeModal/index.tsx
index e8f9aff71..1055a12fc 100644
--- a/packages/shared/src/components/PlatformProfileRechargeModal/index.tsx
+++ b/packages/shared/src/components/PlatformProfileRechargeModal/index.tsx
@@ -1321,8 +1321,10 @@ export function PlatformProfileRechargeModal({
       if (pointProducts.length === 0) {
         return null;
       }
-      const fallbackProduct =
-        pointProducts[Math.min(2, pointProducts.length - 1)];
+      // 中文注释：默认预选第 3 档（索引 2，不足时退回末档），让首屏落在价格居中的档位；
+      // 充点商品目前同价（¥1 = 10 泥点），这里只影响默认选中项，不改变计费。
+      const defaultProductIndex = Math.min(2, pointProducts.length - 1);
+      const fallbackProduct = pointProducts[defaultProductIndex];
       return fallbackProduct ? fallbackProduct.productId : null;
     });
   }, [pointProducts]);