diff --git a/bot/handlers/user/subscription.py b/bot/handlers/user/subscription.py
index a4f5703..fd27b2e 100644
--- a/bot/handlers/user/subscription.py
+++ b/bot/handlers/user/subscription.py
@@ -10,7 +10,9 @@ from config.settings import Settings
 from db.dal import payment_dal
 from bot.keyboards.inline.user_keyboards import (
     get_subscription_options_keyboard, get_payment_method_keyboard,
-    get_payment_url_keyboard, get_back_to_main_menu_markup)
+    get_payment_url_keyboard, get_back_to_main_menu_markup,
+    get_payment_methods_manage_keyboard, get_payment_method_delete_confirm_keyboard,
+    get_payment_method_details_keyboard, get_bind_url_keyboard)
 from bot.services.yookassa_service import YooKassaService
 from db.dal import user_billing_dal
 from bot.services.stars_service import StarsService
@@ -18,6 +20,7 @@ from bot.services.crypto_pay_service import CryptoPayService
 from bot.services.subscription_service import SubscriptionService
 from bot.services.panel_api_service import PanelApiService
 from bot.services.referral_service import ReferralService
+from bot.services.yookassa_service import YooKassaService
 from bot.middlewares.i18n import JsonI18n
 from db.dal import subscription_dal
 from db.models import Subscription
@@ -523,13 +526,15 @@ async def my_subscription_command_handler(
             else get_text("traffic_na")
         )
     )
-    # Build markup with auto-renew toggle if available
+    # Build markup with auto-renew toggle and payment methods if available
     base_markup = get_back_to_main_menu_markup(current_lang, i18n)
     kb = base_markup.inline_keyboard
     try:
         if 'local_sub' in locals() and local_sub and local_sub.provider != 'tribute':
             toggle_text = get_text("autorenew_disable_button") if local_sub.auto_renew_enabled else get_text("autorenew_enable_button")
             kb = [[InlineKeyboardButton(text=toggle_text, callback_data=f"toggle_autorenew:{local_sub.subscription_id}:{1 if not local_sub.auto_renew_enabled else 0}")]] + kb
+        # Add payment methods manage entry point
+        kb = [[InlineKeyboardButton(text=get_text("payment_methods_manage_button"), callback_data="pm:manage")]] + kb
     except Exception:
         pass
     markup = InlineKeyboardMarkup(inline_keyboard=kb)
@@ -585,6 +590,125 @@ async def toggle_autorenew_handler(callback: types.CallbackQuery, settings: Sett
     await my_subscription_command_handler(callback, i18n_data, settings, panel_service, subscription_service, session, bot)
 
 
+@router.callback_query(F.data == "pm:manage")
+async def payment_methods_manage(callback: types.CallbackQuery, settings: Settings, i18n_data: dict, session: AsyncSession):
+    current_lang = i18n_data.get("current_language", settings.DEFAULT_LANGUAGE)
+    i18n: Optional[JsonI18n] = i18n_data.get("i18n_instance")
+    _ = lambda key, **kwargs: i18n.gettext(current_lang, key, **kwargs) if i18n else key
+
+    billing = await user_billing_dal.get_user_billing(session, callback.from_user.id)
+    has_card = bool(billing and billing.yookassa_payment_method_id)
+    text = _("payment_methods_title")
+    if not has_card:
+        text += "\n\n" + _("payment_method_none")
+    await callback.message.edit_text(text, reply_markup=get_payment_methods_manage_keyboard(current_lang, i18n, has_card))
+    try:
+        await callback.answer()
+    except Exception:
+        pass
+
+
+@router.callback_query(F.data == "pm:bind")
+async def payment_method_bind(callback: types.CallbackQuery, settings: Settings, i18n_data: dict, session: AsyncSession, yookassa_service: YooKassaService):
+    current_lang = i18n_data.get("current_language", settings.DEFAULT_LANGUAGE)
+    i18n: Optional[JsonI18n] = i18n_data.get("i18n_instance")
+    _ = lambda key, **kwargs: i18n.gettext(current_lang, key, **kwargs) if i18n else key
+
+    # Create a minimal binding payment (1 RUB) with save_payment_method
+    metadata = {
+        "user_id": str(callback.from_user.id),
+        "bind_only": "1",
+    }
+    resp = await yookassa_service.create_payment(
+        amount=1.00,
+        currency="RUB",
+        description="Bind card",
+        metadata=metadata,
+        receipt_email=settings.YOOKASSA_DEFAULT_RECEIPT_EMAIL,
+        save_payment_method=True,
+        capture=False,
+        bind_only=True,
+    )
+    if not resp or not resp.get("confirmation_url"):
+        await callback.answer(_("error_payment_gateway"), show_alert=True)
+        return
+    await callback.message.edit_text(_("payment_methods_title"), reply_markup=get_bind_url_keyboard(resp["confirmation_url"], current_lang, i18n))
+    try:
+        await callback.answer()
+    except Exception:
+        pass
+
+
+@router.callback_query(F.data == "pm:delete_confirm")
+async def payment_method_delete_confirm(callback: types.CallbackQuery, settings: Settings, i18n_data: dict):
+    current_lang = i18n_data.get("current_language", settings.DEFAULT_LANGUAGE)
+    i18n: Optional[JsonI18n] = i18n_data.get("i18n_instance")
+    _ = lambda key, **kwargs: i18n.gettext(current_lang, key, **kwargs) if i18n else key
+    await callback.message.edit_text(_("payment_method_delete_confirm"), reply_markup=get_payment_method_delete_confirm_keyboard(current_lang, i18n))
+    try:
+        await callback.answer()
+    except Exception:
+        pass
+
+
+@router.callback_query(F.data == "pm:delete")
+async def payment_method_delete(callback: types.CallbackQuery, settings: Settings, i18n_data: dict, session: AsyncSession):
+    current_lang = i18n_data.get("current_language", settings.DEFAULT_LANGUAGE)
+    i18n: Optional[JsonI18n] = i18n_data.get("i18n_instance")
+    _ = lambda key, **kwargs: i18n.gettext(current_lang, key, **kwargs) if i18n else key
+    deleted = await user_billing_dal.delete_yk_payment_method(session, callback.from_user.id)
+    await session.commit()
+    msg = _("payment_method_deleted_success") if deleted else _("error_try_again")
+    await callback.message.edit_text(msg, reply_markup=get_payment_methods_manage_keyboard(current_lang, i18n, has_card=False))
+    try:
+        await callback.answer()
+    except Exception:
+        pass
+
+
+@router.callback_query(F.data == "pm:view")
+async def payment_method_view(callback: types.CallbackQuery, settings: Settings, i18n_data: dict, session: AsyncSession):
+    current_lang = i18n_data.get("current_language", settings.DEFAULT_LANGUAGE)
+    i18n: Optional[JsonI18n] = i18n_data.get("i18n_instance")
+    _ = lambda key, **kwargs: i18n.gettext(current_lang, key, **kwargs) if i18n else key
+
+    billing = await user_billing_dal.get_user_billing(session, callback.from_user.id)
+    if not billing or not billing.yookassa_payment_method_id:
+        await callback.answer(_("payment_method_none"), show_alert=True)
+        return
+    added_at = billing.created_at.strftime('%Y-%m-%d') if getattr(billing, 'created_at', None) else "—"
+    # Placeholder for last tx; real data requires querying payments
+    last_tx = "—"
+    title = _("payment_method_card_title", network=billing.card_network or "Card", last4=billing.card_last4 or "????")
+    details = f"{title}\n{_('payment_method_added_at', date=added_at)}\n{_('payment_method_last_tx', date=last_tx)}"
+    await callback.message.edit_text(details, reply_markup=get_payment_method_details_keyboard(current_lang, i18n))
+    try:
+        await callback.answer()
+    except Exception:
+        pass
+
+
+@router.callback_query(F.data == "pm:history")
+async def payment_method_history(callback: types.CallbackQuery, settings: Settings, i18n_data: dict, session: AsyncSession):
+    current_lang = i18n_data.get("current_language", settings.DEFAULT_LANGUAGE)
+    i18n: Optional[JsonI18n] = i18n_data.get("i18n_instance")
+    _ = lambda key, **kwargs: i18n.gettext(current_lang, key, **kwargs) if i18n else key
+
+    # Simple history from payments table filtered by user
+    from db.dal import payment_dal
+    payments = await payment_dal.get_recent_payment_logs_with_user(session, limit=10, offset=0)
+    user_payments = [p for p in payments if p.user_id == callback.from_user.id]
+    if not user_payments:
+        await callback.message.edit_text(_("payment_method_no_history"), reply_markup=get_payment_methods_manage_keyboard(current_lang, i18n, has_card=True))
+        return
+    lines = [
+        f"{p.created_at.strftime('%Y-%m-%d')} — {p.amount} {p.currency} — {p.provider} — {p.status}"
+        for p in user_payments
+    ]
+    text = _("payment_method_tx_history_title") + "\n\n" + "\n".join(lines)
+    await callback.message.edit_text(text, reply_markup=get_payment_methods_manage_keyboard(current_lang, i18n, has_card=True))
+
+
 @router.pre_checkout_query()
 async def stars_pre_checkout_handler(pre_checkout_query: types.PreCheckoutQuery):
     await pre_checkout_query.answer(ok=True)
diff --git a/bot/keyboards/inline/user_keyboards.py b/bot/keyboards/inline/user_keyboards.py
index 6a0898f..4aa5448 100644
--- a/bot/keyboards/inline/user_keyboards.py
+++ b/bot/keyboards/inline/user_keyboards.py
@@ -229,3 +229,51 @@ def get_connect_and_main_keyboard(
     )
 
     return builder.as_markup()
+
+
+def get_payment_methods_manage_keyboard(lang: str, i18n_instance, has_card: bool) -> InlineKeyboardMarkup:
+    _ = lambda key, **kwargs: i18n_instance.gettext(lang, key, **kwargs)
+    builder = InlineKeyboardBuilder()
+    if has_card:
+        builder.row(
+            InlineKeyboardButton(text=_(key="payment_method_view_button"), callback_data="pm:view"),
+            InlineKeyboardButton(text=_(key="payment_method_delete_button"), callback_data="pm:delete_confirm"),
+        )
+    builder.row(
+        InlineKeyboardButton(text=_(key="payment_method_bind_button"), callback_data="pm:bind")
+    )
+    builder.row(
+        InlineKeyboardButton(text=_(key="back_to_main_menu_button"), callback_data="main_action:back_to_main")
+    )
+    return builder.as_markup()
+
+
+def get_payment_method_delete_confirm_keyboard(lang: str, i18n_instance) -> InlineKeyboardMarkup:
+    _ = lambda key, **kwargs: i18n_instance.gettext(lang, key, **kwargs)
+    builder = InlineKeyboardBuilder()
+    builder.row(
+        InlineKeyboardButton(text=_(key="yes_button"), callback_data="pm:delete"),
+        InlineKeyboardButton(text=_(key="cancel_button"), callback_data="pm:manage"),
+    )
+    return builder.as_markup()
+
+
+def get_payment_method_details_keyboard(lang: str, i18n_instance) -> InlineKeyboardMarkup:
+    _ = lambda key, **kwargs: i18n_instance.gettext(lang, key, **kwargs)
+    builder = InlineKeyboardBuilder()
+    builder.row(
+        InlineKeyboardButton(text=_(key="payment_method_tx_history_title"), callback_data="pm:history")
+    )
+    builder.row(
+        InlineKeyboardButton(text=_(key="back_to_main_menu_button"), callback_data="pm:manage")
+    )
+    return builder.as_markup()
+
+
+def get_bind_url_keyboard(bind_url: str, lang: str, i18n_instance) -> InlineKeyboardMarkup:
+    _ = lambda key, **kwargs: i18n_instance.gettext(lang, key, **kwargs)
+    builder = InlineKeyboardBuilder()
+    builder.button(text=_(key="payment_method_bind_button"), url=bind_url)
+    builder.button(text=_(key="back_to_main_menu_button"), callback_data="pm:manage")
+    builder.adjust(1)
+    return builder.as_markup()
diff --git a/bot/services/yookassa_service.py b/bot/services/yookassa_service.py
index 1d98734..3fe4b20 100644
--- a/bot/services/yookassa_service.py
+++ b/bot/services/yookassa_service.py
@@ -6,6 +6,7 @@ from typing import Optional, Dict, Any, List
 from yookassa import Configuration, Payment as YooKassaPayment
 from yookassa.domain.request.payment_request_builder import PaymentRequestBuilder
 from yookassa.domain.common.confirmation_type import ConfirmationType
+from yookassa.domain.models.payment_data import PaymentMethodType
 
 from config.settings import Settings
 
@@ -64,7 +65,8 @@ class YooKassaService:
             receipt_phone: Optional[str] = None,
             save_payment_method: bool = False,
             payment_method_id: Optional[str] = None,
-            capture: bool = True) -> Optional[Dict[str, Any]]:
+            capture: bool = True,
+            bind_only: bool = False) -> Optional[Dict[str, Any]]:
         if not self.configured:
             logging.error("YooKassa is not configured. Cannot create payment.")
             return None
@@ -105,6 +107,10 @@ class YooKassaService:
                 "value": str(round(amount, 2)),
                 "currency": currency.upper()
             })
+            # For binding cards only, do not capture and set minimal amount
+            if bind_only:
+                capture = False
+                amount = max(amount, 1.00)
             builder.set_capture(capture)
             builder.set_confirmation({
                 "type": ConfirmationType.REDIRECT,
diff --git a/db/dal/user_billing_dal.py b/db/dal/user_billing_dal.py
index 597fd75..78d80a5 100644
--- a/db/dal/user_billing_dal.py
+++ b/db/dal/user_billing_dal.py
@@ -39,3 +39,16 @@ async def upsert_yk_payment_method(
     await session.flush()
     await session.refresh(record)
     return record
+
+
+async def delete_yk_payment_method(session: AsyncSession, user_id: int) -> bool:
+    existing = await get_user_billing(session, user_id)
+    if not existing:
+        return False
+    existing.yookassa_payment_method_id = None
+    existing.card_last4 = None
+    existing.card_network = None
+    existing.updated_at = func.now()
+    await session.flush()
+    await session.refresh(existing)
+    return True
diff --git a/locales/en.json b/locales/en.json
index 53a63f4..31619e9 100644
--- a/locales/en.json
+++ b/locales/en.json
@@ -375,6 +375,20 @@
   "autorenew_enable_button": "Enable auto-renew",
   "autorenew_disable_button": "Disable auto-renew",
   "subscription_autorenew_updated": "Auto-renew settings updated.",
+  "payment_methods_manage_button": "💳 Payment Methods",
+  "payment_methods_title": "💳 <b>Payment Methods</b>",
+  "payment_method_bind_button": "➕ Add card",
+  "payment_method_delete_button": "🗑 Remove",
+  "payment_method_view_button": "ℹ️ Details",
+  "payment_method_none": "You don't have a saved card yet.",
+  "payment_method_bound_success": "✅ Card successfully added.",
+  "payment_method_deleted_success": "✅ Payment method removed.",
+  "payment_method_delete_confirm": "Remove saved payment method?",
+  "payment_method_card_title": "💳 Card {network} ••••{last4}",
+  "payment_method_added_at": "Added: {date}",
+  "payment_method_last_tx": "Last transaction: {date}",
+  "payment_method_tx_history_title": "📜 Transactions history",
+  "payment_method_no_history": "No transactions history.",
   "subscription_tribute_notice": "Paid via Tribute. Renew using your Tribute link.",
   "subscription_tribute_notice_with_link": "Paid via Tribute. Renew: {link}",
   "subscription_autorenew_not_supported_for_tribute": "Auto-renew is handled by Tribute. Manage renewal in the Tribute app/link.",
diff --git a/locales/ru.json b/locales/ru.json
index 53a60b8..d81635f 100644
--- a/locales/ru.json
+++ b/locales/ru.json
@@ -374,6 +374,20 @@
   "autorenew_enable_button": "Включить автопродление",
   "autorenew_disable_button": "Выключить автопродление",
   "subscription_autorenew_updated": "Настройки автопродления обновлены.",
+  "payment_methods_manage_button": "💳 Способы оплаты",
+  "payment_methods_title": "💳 <b>Способы оплаты</b>",
+  "payment_method_bind_button": "➕ Привязать карту",
+  "payment_method_delete_button": "🗑 Удалить",
+  "payment_method_view_button": "ℹ️ Детали",
+  "payment_method_none": "У вас пока нет сохранённой карты.",
+  "payment_method_bound_success": "✅ Карта успешно привязана.",
+  "payment_method_deleted_success": "✅ Способ оплаты удалён.",
+  "payment_method_delete_confirm": "Удалить сохранённый способ оплаты?",
+  "payment_method_card_title": "💳 Карта {network} ••••{last4}",
+  "payment_method_added_at": "Добавлена: {date}",
+  "payment_method_last_tx": "Последняя операция: {date}",
+  "payment_method_tx_history_title": "📜 История операций",
+  "payment_method_no_history": "История операций отсутствует.",
   "subscription_tribute_notice": "Оплачено через Tribute. Продление делайте по ссылке Tribute.",
   "subscription_tribute_notice_with_link": "Оплачено через Tribute. Продлить: {link}",
   "subscription_autorenew_not_supported_for_tribute": "Автопродление управляется Tribute. Управляйте продлением в приложении/ссылке Tribute.",