diff --git a/src/lib/api/index.ts b/src/lib/api/index.ts
index c031012b..2944a4fe 100644
--- a/src/lib/api/index.ts
+++ b/src/lib/api/index.ts
@@ -20,12 +20,231 @@ export {
   type CommonCode,
 } from './common-codes';
 
-// Server-side API 클라이언트 인스턴스
-// 서버 액션에서 사용
-import { ApiClient } from './client';
+// Server-side API 클라이언트
+// 서버 액션에서 쿠키 기반 Bearer 토큰 자동 포함
+import { cookies } from 'next/headers';
+import { redirect } from 'next/navigation';
 import { AUTH_CONFIG } from './auth/auth-config';
+import { refreshAccessToken } from './refresh-token';
+import { isNextRedirectError } from '@/lib/utils/redirect-error';
 
-export const apiClient = new ApiClient({
-  mode: 'api-key',
-  apiKey: process.env.API_KEY,
-});
\ No newline at end of file
+/**
+ * Server Actions 전용 API 클라이언트
+ *
+ * 특징:
+ * - 쿠키에서 access_token 자동 읽기
+ * - X-API-KEY + Bearer 토큰 자동 포함
+ * - 401 발생 시 토큰 자동 갱신 후 재시도
+ */
+class ServerApiClient {
+  private baseURL: string;
+  private apiKey: string;
+
+  constructor() {
+    // API URL에 /api/v1 prefix 자동 추가
+    const apiUrl = AUTH_CONFIG.apiUrl.replace(/\/$/, ''); // trailing slash 제거
+    this.baseURL = `${apiUrl}/api/v1`;
+    this.apiKey = process.env.API_KEY || '';
+  }
+
+  /**
+   * 쿠키에서 인증 헤더 생성 (async)
+   */
+  private async getAuthHeaders(token?: string): Promise<Record<string, string>> {
+    const cookieStore = await cookies();
+    const accessToken = token || cookieStore.get('access_token')?.value;
+
+    return {
+      'Accept': 'application/json',
+      'Content-Type': 'application/json',
+      'X-API-KEY': this.apiKey,
+      ...(accessToken ? { 'Authorization': `Bearer ${accessToken}` } : {}),
+    };
+  }
+
+  /**
+   * 토큰 쿠키 삭제 (인증 실패 시)
+   */
+  private async clearTokenCookies() {
+    const cookieStore = await cookies();
+    cookieStore.delete('access_token');
+    cookieStore.delete('refresh_token');
+    cookieStore.delete('token_refreshed_at');
+    cookieStore.delete('is_authenticated');
+    console.log('🗑️ [ServerApiClient] 토큰 쿠키 삭제 완료');
+  }
+
+  /**
+   * 새 토큰을 쿠키에 저장
+   */
+  private async setNewTokenCookies(tokens: {
+    accessToken?: string;
+    refreshToken?: string;
+    expiresIn?: number;
+  }) {
+    const cookieStore = await cookies();
+    const isProduction = process.env.NODE_ENV === 'production';
+
+    if (tokens.accessToken) {
+      cookieStore.set('access_token', tokens.accessToken, {
+        httpOnly: true,
+        secure: isProduction,
+        sameSite: 'lax',
+        path: '/',
+        maxAge: tokens.expiresIn || 7200,
+      });
+
+      cookieStore.set('token_refreshed_at', Date.now().toString(), {
+        httpOnly: false,
+        secure: isProduction,
+        sameSite: 'lax',
+        path: '/',
+        maxAge: 60,
+      });
+    }
+
+    if (tokens.refreshToken) {
+      cookieStore.set('refresh_token', tokens.refreshToken, {
+        httpOnly: true,
+        secure: isProduction,
+        sameSite: 'lax',
+        path: '/',
+        maxAge: 604800,
+      });
+    }
+  }
+
+  /**
+   * HTTP 요청 실행 (토큰 자동 갱신 포함)
+   */
+  private async request<T>(
+    endpoint: string,
+    options?: RequestInit & { skipAuthRetry?: boolean }
+  ): Promise<T> {
+    try {
+      const cookieStore = await cookies();
+      const refreshToken = cookieStore.get('refresh_token')?.value;
+      const headers = await this.getAuthHeaders();
+
+      const url = `${this.baseURL}${endpoint}`;
+      let response = await fetch(url, {
+        ...options,
+        headers: {
+          ...headers,
+          ...options?.headers,
+        },
+        cache: 'no-store',
+      });
+
+      // 401 발생 시 토큰 갱신 후 재시도
+      if (response.status === 401 && !options?.skipAuthRetry && refreshToken) {
+        console.log('🔄 [ServerApiClient] 401 발생, 토큰 갱신 시도...');
+
+        const refreshResult = await refreshAccessToken(refreshToken, 'ServerApiClient');
+
+        if (refreshResult.success && refreshResult.accessToken) {
+          console.log('✅ [ServerApiClient] 토큰 갱신 성공, 재시도...');
+          await this.setNewTokenCookies(refreshResult);
+
+          const newHeaders = await this.getAuthHeaders(refreshResult.accessToken);
+          response = await fetch(url, {
+            ...options,
+            headers: {
+              ...newHeaders,
+              ...options?.headers,
+            },
+            cache: 'no-store',
+          });
+
+          if (response.status === 401) {
+            console.warn('🔴 [ServerApiClient] 재시도 실패, 로그인 리다이렉트');
+            await this.clearTokenCookies();
+            redirect('/login');
+          }
+        } else {
+          console.warn('🔴 [ServerApiClient] 토큰 갱신 실패, 로그인 리다이렉트');
+          await this.clearTokenCookies();
+          redirect('/login');
+        }
+      } else if (response.status === 401 && !options?.skipAuthRetry) {
+        console.warn('🔴 [ServerApiClient] 401 (refresh token 없음), 로그인 리다이렉트');
+        await this.clearTokenCookies();
+        redirect('/login');
+      }
+
+      if (!response.ok) {
+        const errorData = await response.json().catch(() => ({}));
+        throw {
+          status: response.status,
+          message: errorData.message || 'An error occurred',
+          errors: errorData.errors,
+          code: errorData.code,
+        };
+      }
+
+      if (response.status === 204) {
+        return undefined as T;
+      }
+
+      return await response.json();
+    } catch (error) {
+      if (isNextRedirectError(error)) throw error;
+      throw error;
+    }
+  }
+
+  /**
+   * GET 요청
+   */
+  async get<T>(endpoint: string, options?: { params?: Record<string, string> }): Promise<T> {
+    let url = endpoint;
+    if (options?.params) {
+      const searchParams = new URLSearchParams(options.params);
+      url = `${endpoint}?${searchParams.toString()}`;
+    }
+    return this.request<T>(url, { method: 'GET' });
+  }
+
+  /**
+   * POST 요청
+   */
+  async post<T>(endpoint: string, data?: unknown): Promise<T> {
+    return this.request<T>(endpoint, {
+      method: 'POST',
+      body: data ? JSON.stringify(data) : undefined,
+    });
+  }
+
+  /**
+   * PUT 요청
+   */
+  async put<T>(endpoint: string, data?: unknown): Promise<T> {
+    return this.request<T>(endpoint, {
+      method: 'PUT',
+      body: data ? JSON.stringify(data) : undefined,
+    });
+  }
+
+  /**
+   * PATCH 요청
+   */
+  async patch<T>(endpoint: string, data?: unknown): Promise<T> {
+    return this.request<T>(endpoint, {
+      method: 'PATCH',
+      body: data ? JSON.stringify(data) : undefined,
+    });
+  }
+
+  /**
+   * DELETE 요청
+   */
+  async delete<T>(endpoint: string, options?: { data?: unknown }): Promise<T> {
+    return this.request<T>(endpoint, {
+      method: 'DELETE',
+      body: options?.data ? JSON.stringify(options.data) : undefined,
+    });
+  }
+}
+
+// 서버 액션용 API 클라이언트 인스턴스
+export const apiClient = new ServerApiClient();
\ No newline at end of file