feat: add payment card grouping and analysis

lib/screens/settings_screen.dart

@@ -17,6 +17,7 @@ import '../providers/theme_provider.dart';
 import '../theme/adaptive_theme.dart';
 import '../widgets/common/layout/page_container.dart';
 import '../theme/color_scheme_ext.dart';
+import '../widgets/app_navigator.dart';
 
 class SettingsScreen extends StatelessWidget {
   const SettingsScreen({super.key});
@@ -79,6 +80,7 @@ class SettingsScreen extends StatelessWidget {
 
   @override
   Widget build(BuildContext context) {
+    final loc = AppLocalizations.of(context);
     return Column(
       children: [
         Expanded(
@@ -99,6 +101,48 @@ class SettingsScreen extends StatelessWidget {
                 const SizedBox(height: 16),
 
                 // 테마 모드 설정
+                Card(
+                  margin:
+                      const EdgeInsets.symmetric(vertical: 8, horizontal: 16),
+                  elevation: 1,
+                  shape: RoundedRectangleBorder(
+                    borderRadius: BorderRadius.circular(16),
+                    side: BorderSide(
+                      color: Theme.of(context)
+                          .colorScheme
+                          .outline
+                          .withValues(alpha: 0.5),
+                    ),
+                  ),
+                  child: Semantics(
+                    button: true,
+                    label: loc.paymentCardManagement,
+                    hint: loc.paymentCardManagementDescription,
+                    child: ListTile(
+                      leading: Icon(
+                        Icons.credit_card,
+                        color: Theme.of(context).colorScheme.onSurfaceVariant,
+                      ),
+                      title: Text(
+                        loc.paymentCardManagement,
+                        style: TextStyle(
+                          color: Theme.of(context).colorScheme.onSurface,
+                        ),
+                      ),
+                      subtitle: Text(
+                        loc.paymentCardManagementDescription,
+                        style: TextStyle(
+                          color: Theme.of(context).colorScheme.onSurfaceVariant,
+                        ),
+                      ),
+                      trailing: Icon(Icons.chevron_right_rounded,
+                          color:
+                              Theme.of(context).colorScheme.onSurfaceVariant),
+                      onTap: () =>
+                          AppNavigator.toPaymentCardManagement(context),
+                    ),
+                  ),
+                ),
                 Card(
                   margin:
                       const EdgeInsets.symmetric(vertical: 8, horizontal: 16),