diff --git a/components-diy/diy-card-mini.vue b/components-diy/diy-card-mini.vue
index 9110825..d271ea2 100644
--- a/components-diy/diy-card-mini.vue
+++ b/components-diy/diy-card-mini.vue
@@ -259,8 +259,13 @@ export default {
 		},
 		wrapStyle() {
 			const c = this.c;
+			// 面板显式选了非白底色时尊重之; 白色(#fff/#ffffff)/未设置视为默认
+			const rawBg = String(c.bgColor || '').trim().toLowerCase();
+			const customBg = rawBg && rawBg !== '#fff' && rawBg !== '#ffffff' ? c.bgColor : '';
+			// 独立成块模式: 主卡改用浅灰底, 让快捷块/联系资料两张白卡明显浮起(参考图)
+			const bg = customBg || (this.actsFloat ? '#f5f7fa' : CardTokens.color.bg);
 			return this.$util.objToStyle({
-				background: flagOn(c.useCover, false) && this.card && this.card.cover ? 'transparent' : (c.bgColor || CardTokens.color.bg),
+				background: flagOn(c.useCover, false) && this.card && this.card.cover ? 'transparent' : bg,
 				borderRadius: px2rpx(num(c.borderRadius, CardTokens.radius.md)) + 'rpx',
 				padding: px2rpx(num(c.padding, CardTokens.space.lg)) + 'rpx',
 				boxShadow: flagOn(c.showShadow, true) ? CardTokens.shadow.card : 'none',