diff --git a/src/main/java/com/sb/web/account/service/DefaultCategorySeeder.java b/src/main/java/com/sb/web/account/service/DefaultCategorySeeder.java
new file mode 100644
index 0000000..e9164b0
--- /dev/null
+++ b/src/main/java/com/sb/web/account/service/DefaultCategorySeeder.java
@@ -0,0 +1,75 @@
+package com.sb.web.account.service;
+
+import com.sb.web.account.domain.DefaultCategory;
+import com.sb.web.account.mapper.DefaultCategoryMapper;
+import lombok.RequiredArgsConstructor;
+import lombok.extern.slf4j.Slf4j;
+import org.springframework.boot.ApplicationArguments;
+import org.springframework.boot.ApplicationRunner;
+import org.springframework.stereotype.Component;
+import org.springframework.transaction.annotation.Transactional;
+
+import java.util.LinkedHashMap;
+import java.util.List;
+import java.util.Map;
+
+/**
+ * 기본(디폴트) 분류 초기 시드. default_category 가 비어 있을 때만 한 번 생성한다.
+ * (관리자가 이후 자유롭게 수정/삭제 가능 — 비어 있을 때만 채우므로 운영 데이터를 덮어쓰지 않음)
+ */
+@Slf4j
+@Component
+@RequiredArgsConstructor
+public class DefaultCategorySeeder implements ApplicationRunner {
+
+    private final DefaultCategoryMapper mapper;
+
+    // 대분류 → 소분류 목록 (입력 순서 유지)
+    private static final Map<String, List<String>> EXPENSE = new LinkedHashMap<>();
+    private static final Map<String, List<String>> INCOME = new LinkedHashMap<>();
+
+    static {
+        EXPENSE.put("식비", List.of("외식", "식료품", "카페/간식", "배달"));
+        EXPENSE.put("교통", List.of("대중교통", "택시", "주유", "주차/통행료"));
+        EXPENSE.put("주거/통신", List.of("월세/관리비", "공과금", "통신비", "인터넷"));
+        EXPENSE.put("생활", List.of("생필품", "의류/미용", "가구/가전"));
+        EXPENSE.put("건강/의료", List.of("병원", "약국", "운동"));
+        EXPENSE.put("문화/여가", List.of("영화/공연", "여행", "취미", "구독서비스"));
+        EXPENSE.put("교육", List.of("학원", "도서", "강의"));
+        EXPENSE.put("경조사", List.of("축의금", "부의금", "선물"));
+        EXPENSE.put("금융", List.of("보험", "대출이자", "수수료"));
+        EXPENSE.put("기타", List.of());
+
+        INCOME.put("급여", List.of("월급", "상여금"));
+        INCOME.put("부수입", List.of("용돈", "이자/배당", "환급"));
+        INCOME.put("기타수입", List.of("중고판매", "기타"));
+    }
+
+    @Override
+    @Transactional
+    public void run(ApplicationArguments args) {
+        if (!mapper.findAll().isEmpty()) {
+            return; // 이미 데이터가 있으면 시드하지 않음
+        }
+        int n = seed("EXPENSE", EXPENSE) + seed("INCOME", INCOME);
+        log.info("[default-category] 기본 분류 시드 생성: {}건", n);
+    }
+
+    private int seed(String type, Map<String, List<String>> tree) {
+        int count = 0;
+        int majorOrder = 0;
+        for (Map.Entry<String, List<String>> e : tree.entrySet()) {
+            DefaultCategory major = DefaultCategory.builder()
+                    .type(type).name(e.getKey()).parentId(null).sortOrder(majorOrder++).build();
+            mapper.insert(major); // 생성키(id) 채워짐
+            count++;
+            int subOrder = 0;
+            for (String child : e.getValue()) {
+                mapper.insert(DefaultCategory.builder()
+                        .type(type).name(child).parentId(major.getId()).sortOrder(subOrder++).build());
+                count++;
+            }
+        }
+        return count;
+    }
+}
diff --git a/src/main/java/com/sb/web/auth/controller/AuthController.java b/src/main/java/com/sb/web/auth/controller/AuthController.java
index bbecf68..46cbffd 100644
--- a/src/main/java/com/sb/web/auth/controller/AuthController.java
+++ b/src/main/java/com/sb/web/auth/controller/AuthController.java
@@ -87,6 +87,13 @@ public class AuthController {
         return java.util.Map.of("points", pointService.getPoints(current.getId()));
     }
 
+    /** 포인트 적립/차감 내역 (최신순) */
+    @GetMapping("/point-history")
+    public java.util.List<com.sb.web.point.PointHistoryResponse> pointHistory(
+            @RequestAttribute(AuthInterceptor.CURRENT_MEMBER) SessionUser current) {
+        return pointService.getHistory(current.getId());
+    }
+
     @PutMapping("/password")
     public ResponseEntity<Void> changePassword(
             @Valid @RequestBody PasswordChangeRequest req,
diff --git a/src/main/java/com/sb/web/common/config/WebConfig.java b/src/main/java/com/sb/web/common/config/WebConfig.java
index b58a1b6..3eff788 100644
--- a/src/main/java/com/sb/web/common/config/WebConfig.java
+++ b/src/main/java/com/sb/web/common/config/WebConfig.java
@@ -25,7 +25,8 @@ public class WebConfig implements WebMvcConfigurer {
     public void addInterceptors(InterceptorRegistry registry) {
         // 인증: 로그인 필요한 경로 (관리자 경로 포함 — SessionUser 세팅용으로 먼저 실행)
         registry.addInterceptor(authInterceptor)
-                .addPathPatterns("/api/auth/me", "/api/auth/points", "/api/auth/logout", "/api/auth/password",
+                .addPathPatterns("/api/auth/me", "/api/auth/points", "/api/auth/point-history",
+                        "/api/auth/logout", "/api/auth/password",
                         "/api/auth/verify-password", "/api/auth/profile", "/api/auth/profile-image",
                         "/api/board/**", "/api/admin/**", "/api/account/**");
         // 인가: 관리자 전용 경로 (authInterceptor 다음에 실행되어 role 검사)
diff --git a/src/main/java/com/sb/web/point/PointHistoryResponse.java b/src/main/java/com/sb/web/point/PointHistoryResponse.java
new file mode 100644
index 0000000..3acfd4f
--- /dev/null
+++ b/src/main/java/com/sb/web/point/PointHistoryResponse.java
@@ -0,0 +1,16 @@
+package com.sb.web.point;
+
+import lombok.Data;
+
+import java.time.LocalDateTime;
+
+/**
+ * 포인트 적립/차감 내역 항목.
+ */
+@Data
+public class PointHistoryResponse {
+
+    private Integer amount;       // 증감 포인트(+/-)
+    private String reason;        // BOARD_WRITE 등
+    private LocalDateTime createdAt;
+}
diff --git a/src/main/java/com/sb/web/point/PointService.java b/src/main/java/com/sb/web/point/PointService.java
index 02f5829..2498a10 100644
--- a/src/main/java/com/sb/web/point/PointService.java
+++ b/src/main/java/com/sb/web/point/PointService.java
@@ -38,4 +38,9 @@ public class PointService {
         Long p = pointMapper.getPoints(memberId);
         return p == null ? 0L : p;
     }
+
+    /** 최근 포인트 적립/차감 내역 (최신순) */
+    public java.util.List<PointHistoryResponse> getHistory(Long memberId) {
+        return pointMapper.findHistory(memberId, 100);
+    }
 }
diff --git a/src/main/java/com/sb/web/point/mapper/PointMapper.java b/src/main/java/com/sb/web/point/mapper/PointMapper.java
index 2a83005..f6b696a 100644
--- a/src/main/java/com/sb/web/point/mapper/PointMapper.java
+++ b/src/main/java/com/sb/web/point/mapper/PointMapper.java
@@ -1,8 +1,11 @@
 package com.sb.web.point.mapper;
 
+import com.sb.web.point.PointHistoryResponse;
 import org.apache.ibatis.annotations.Mapper;
 import org.apache.ibatis.annotations.Param;
 
+import java.util.List;
+
 /**
  * 포인트(member.points) 및 적립 이력(point_history) 매퍼.
  */
@@ -17,4 +20,7 @@ public interface PointMapper {
     int addPoints(@Param("memberId") Long memberId, @Param("amount") int amount);
 
     Long getPoints(@Param("memberId") Long memberId);
+
+    /** 최근 적립/차감 내역 (최신순, 최대 limit건) */
+    List<PointHistoryResponse> findHistory(@Param("memberId") Long memberId, @Param("limit") int limit);
 }
diff --git a/src/main/resources/mapper/PointMapper.xml b/src/main/resources/mapper/PointMapper.xml
index c81497d..0d65d46 100644
--- a/src/main/resources/mapper/PointMapper.xml
+++ b/src/main/resources/mapper/PointMapper.xml
@@ -21,4 +21,12 @@
         SELECT points FROM member WHERE id = #{memberId}
     </select>
 
+    <select id="findHistory" resultType="com.sb.web.point.PointHistoryResponse">
+        SELECT amount, reason, created_at
+        FROM point_history
+        WHERE member_id = #{memberId}
+        ORDER BY id DESC
+        LIMIT #{limit}
+    </select>
+
 </mapper>