diff --git a/src/components/ui/card-number-input.tsx b/src/components/ui/card-number-input.tsx
index 9a44120a..70a14f99 100644
--- a/src/components/ui/card-number-input.tsx
+++ b/src/components/ui/card-number-input.tsx
@@ -29,12 +29,19 @@ export interface CardNumberInputProps
  */
 const CardNumberInput = React.forwardRef<HTMLInputElement, CardNumberInputProps>(
   ({ className, value, onChange, error, ...props }, ref) => {
-    // 표시용 포맷된 값
-    const displayValue = React.useMemo(() => formatCardNumber(value || ""), [value]);
+    // 마스킹된 값(****-****-****-1234) 여부 판별
+    const isMasked = value?.includes('*') ?? false;
+
+    // 표시용 포맷된 값: 마스킹이면 그대로, 숫자만이면 포맷팅
+    const displayValue = React.useMemo(() => {
+      if (!value) return "";
+      if (isMasked) return value;
+      return formatCardNumber(value);
+    }, [value, isMasked]);
 
     const handleChange = (e: React.ChangeEvent<HTMLInputElement>) => {
       const inputValue = e.target.value;
-      // 숫자만 추출하여 전달
+      // 숫자만 추출하여 전달 (마스킹 문자 자동 제거)
       const numbersOnly = parseCardNumber(inputValue);
       onChange(numbersOnly);
     };