diff --git a/src/app/schedule/(components)/current.tsx b/src/app/schedule/(components)/current.tsx
index 746d57fb..80802ced 100644
--- a/src/app/schedule/(components)/current.tsx
+++ b/src/app/schedule/(components)/current.tsx
@@ -1,34 +1,45 @@
 'use client';
 
-import { useGetMyGroups } from '@/hooks/use-group/use-group-get-my-list';
+import { API } from '@/api';
+import { useInfiniteScroll } from '@/hooks/use-group/use-group-infinite-list';
+import { useIntersectionObserver } from '@/hooks/use-intersection-observer';
+import { INTERSECTION_OBSERVER_THRESHOLD } from '@/lib/constants/group-list';
+import { GroupListItemResponse } from '@/types/service/group';
 
 import { MeetingList } from './meeting-list';
 
 export default function Current() {
-  const { data, isLoading, error } = useGetMyGroups({ type: 'current', size: 10 });
+  const { items, error, fetchNextPage, hasNextPage, isFetchingNextPage, completedMessage } =
+    useInfiniteScroll<GroupListItemResponse, ['myGroups', 'current']>({
+      queryFn: async ({ cursor, size }) => {
+        return await API.groupService.getMyGroups({ type: 'current', cursor, size });
+      },
+      queryKey: ['myGroups', 'current'],
+      pageSize: 10,
+      errorMessage: '현재 모임 목록을 불러오는데 실패했습니다.',
+      completedMessage: '모든 현재 모임을 불러왔습니다.',
+    });
 
-  if (isLoading) {
-    return (
-      <div className='flex items-center justify-center py-8'>
-        <div className='text-gray-500'>로딩 중...</div>
-      </div>
-    );
-  }
-
-  if (error) {
-    return (
-      <div className='flex items-center justify-center py-8'>
-        <div className='text-red-500'>데이터를 불러오는 중 오류가 발생했습니다.</div>
-      </div>
-    );
-  }
+  const sentinelRef = useIntersectionObserver({
+    onIntersect: () => {
+      if (hasNextPage && !isFetchingNextPage) {
+        fetchNextPage();
+      }
+    },
+    enabled: hasNextPage && error === null,
+    threshold: INTERSECTION_OBSERVER_THRESHOLD,
+  });
 
   return (
     <MeetingList
+      completedMessage={completedMessage}
       emptyStatePath='/'
       emptyStateType='current'
+      error={error}
+      hasNextPage={hasNextPage}
       leaveActionText='모임 탈퇴'
-      meetings={data?.items || []}
+      meetings={items}
+      sentinelRef={sentinelRef}
       showActions={true}
       tabType='current'
     />
diff --git a/src/app/schedule/(components)/history.tsx b/src/app/schedule/(components)/history.tsx
index 1d80c142..cee6eb48 100644
--- a/src/app/schedule/(components)/history.tsx
+++ b/src/app/schedule/(components)/history.tsx
@@ -1,33 +1,44 @@
 'use client';
 
-import { useGetMyGroups } from '@/hooks/use-group/use-group-get-my-list';
+import { API } from '@/api';
+import { useInfiniteScroll } from '@/hooks/use-group/use-group-infinite-list';
+import { useIntersectionObserver } from '@/hooks/use-intersection-observer';
+import { INTERSECTION_OBSERVER_THRESHOLD } from '@/lib/constants/group-list';
+import { GroupListItemResponse } from '@/types/service/group';
 
 import { MeetingList } from './meeting-list';
 
 export default function History() {
-  const { data, isLoading, error } = useGetMyGroups({ type: 'past', size: 10 });
+  const { items, error, fetchNextPage, hasNextPage, isFetchingNextPage, completedMessage } =
+    useInfiniteScroll<GroupListItemResponse, ['myGroups', 'past']>({
+      queryFn: async ({ cursor, size }) => {
+        return await API.groupService.getMyGroups({ type: 'past', cursor, size });
+      },
+      queryKey: ['myGroups', 'past'],
+      pageSize: 10,
+      errorMessage: '모임 이력을 불러오는데 실패했습니다.',
+      completedMessage: '모든 모임 이력을 불러왔습니다.',
+    });
 
-  if (isLoading) {
-    return (
-      <div className='flex items-center justify-center py-8'>
-        <div className='text-gray-500'>로딩 중...</div>
-      </div>
-    );
-  }
-
-  if (error) {
-    return (
-      <div className='flex items-center justify-center py-8'>
-        <div className='text-red-500'>데이터를 불러오는 중 오류가 발생했습니다.</div>
-      </div>
-    );
-  }
+  const sentinelRef = useIntersectionObserver({
+    onIntersect: () => {
+      if (hasNextPage && !isFetchingNextPage) {
+        fetchNextPage();
+      }
+    },
+    enabled: hasNextPage && error === null,
+    threshold: INTERSECTION_OBSERVER_THRESHOLD,
+  });
 
   return (
     <MeetingList
+      completedMessage={completedMessage}
       emptyStatePath='/'
       emptyStateType='past'
-      meetings={data?.items || []}
+      error={error}
+      hasNextPage={hasNextPage}
+      meetings={items}
+      sentinelRef={sentinelRef}
       showActions={false}
       tabType='past'
     />
diff --git a/src/app/schedule/(components)/meeting-list.tsx b/src/app/schedule/(components)/meeting-list.tsx
index 5547c84a..e4d69011 100644
--- a/src/app/schedule/(components)/meeting-list.tsx
+++ b/src/app/schedule/(components)/meeting-list.tsx
@@ -2,6 +2,9 @@
 
 import { useRouter } from 'next/navigation';
 
+import { RefObject } from 'react';
+
+import { ErrorMessage } from '@/components/shared';
 import Card from '@/components/shared/card';
 import { formatDateTime } from '@/lib/formatDateTime';
 import { GroupListItemResponse } from '@/types/service/group';
@@ -17,6 +20,10 @@ type MeetingListProps = {
   emptyStatePath: string;
   showActions: boolean;
   leaveActionText?: string;
+  error?: Error | null;
+  hasNextPage?: boolean;
+  sentinelRef?: RefObject<HTMLDivElement | null>;
+  completedMessage?: string;
 };
 
 export const MeetingList = ({
@@ -26,15 +33,27 @@ export const MeetingList = ({
   emptyStatePath,
   showActions,
   leaveActionText,
+  error,
+  hasNextPage,
+  sentinelRef,
+  completedMessage,
 }: MeetingListProps) => {
   const router = useRouter();
 
-  if (meetings.length === 0) {
+  if (meetings.length === 0 && !error) {
     return <EmptyState type={emptyStateType} onButtonClick={() => router.push(emptyStatePath)} />;
   }
 
   return (
     <section className='flex w-full flex-col gap-4 px-4 py-4'>
+      {error && meetings.length === 0 && (
+        <ErrorMessage
+          className='py-12'
+          message={error.message}
+          onRetry={() => window.location.reload()}
+        />
+      )}
+
       {meetings.map((meeting) => (
         <Card
           key={meeting.id}
@@ -59,6 +78,20 @@ export const MeetingList = ({
           onClick={() => router.push(`/meetup/${meeting.id}`)}
         />
       ))}
+
+      {error && meetings.length > 0 && (
+        <ErrorMessage
+          className='py-8'
+          message={error.message}
+          onRetry={() => window.location.reload()}
+        />
+      )}
+
+      {hasNextPage && !error && sentinelRef && <div ref={sentinelRef} className='h-1' />}
+
+      {!hasNextPage && meetings.length > 0 && !error && completedMessage && (
+        <div className='py-8 text-center text-gray-500'>{completedMessage}</div>
+      )}
     </section>
   );
 };
diff --git a/src/app/schedule/(components)/my.tsx b/src/app/schedule/(components)/my.tsx
index 49b14664..cf1677ec 100644
--- a/src/app/schedule/(components)/my.tsx
+++ b/src/app/schedule/(components)/my.tsx
@@ -1,34 +1,45 @@
 'use client';
 
-import { useGetMyGroups } from '@/hooks/use-group/use-group-get-my-list';
+import { API } from '@/api';
+import { useInfiniteScroll } from '@/hooks/use-group/use-group-infinite-list';
+import { useIntersectionObserver } from '@/hooks/use-intersection-observer';
+import { INTERSECTION_OBSERVER_THRESHOLD } from '@/lib/constants/group-list';
+import { GroupListItemResponse } from '@/types/service/group';
 
 import { MeetingList } from './meeting-list';
 
 export default function My() {
-  const { data, isLoading, error } = useGetMyGroups({ type: 'myPost', size: 10 });
+  const { items, error, fetchNextPage, hasNextPage, isFetchingNextPage, completedMessage } =
+    useInfiniteScroll<GroupListItemResponse, ['myGroups', 'myPost']>({
+      queryFn: async ({ cursor, size }) => {
+        return await API.groupService.getMyGroups({ type: 'myPost', cursor, size });
+      },
+      queryKey: ['myGroups', 'myPost'],
+      pageSize: 10,
+      errorMessage: '나의 모임 목록을 불러오는데 실패했습니다.',
+      completedMessage: '모든 나의 모임을 불러왔습니다.',
+    });
 
-  if (isLoading) {
-    return (
-      <div className='flex items-center justify-center py-8'>
-        <div className='text-gray-500'>로딩 중...</div>
-      </div>
-    );
-  }
-
-  if (error) {
-    return (
-      <div className='flex items-center justify-center py-8'>
-        <div className='text-red-500'>데이터를 불러오는 중 오류가 발생했습니다.</div>
-      </div>
-    );
-  }
+  const sentinelRef = useIntersectionObserver({
+    onIntersect: () => {
+      if (hasNextPage && !isFetchingNextPage) {
+        fetchNextPage();
+      }
+    },
+    enabled: hasNextPage && error === null,
+    threshold: INTERSECTION_OBSERVER_THRESHOLD,
+  });
 
   return (
     <MeetingList
+      completedMessage={completedMessage}
       emptyStatePath='/post-meetup'
       emptyStateType='myPost'
+      error={error}
+      hasNextPage={hasNextPage}
       leaveActionText='모임 취소'
-      meetings={data?.items || []}
+      meetings={items}
+      sentinelRef={sentinelRef}
       showActions={true}
       tabType='myPost'
     />
diff --git a/src/components/pages/user/profile/profile-card/index.tsx b/src/components/pages/user/profile/profile-card/index.tsx
index a0f485db..a0001357 100644
--- a/src/components/pages/user/profile/profile-card/index.tsx
+++ b/src/components/pages/user/profile/profile-card/index.tsx
@@ -1,3 +1,5 @@
+import { DEFAULT_PROFILE_IMAGE } from 'constants/default-images';
+
 import { ImageWithFallback } from '@/components/ui';
 import { User } from '@/types/service/user';
 
@@ -13,9 +15,10 @@ export const ProfileCard = ({ user }: Props) => {
         <ImageWithFallback
           className='object-cover'
           alt='프로필 이미지'
+          fallbackSrc={DEFAULT_PROFILE_IMAGE}
           fill
           loading='eager'
-          src={profileImage}
+          src={profileImage || ''}
         />
       </div>
       <h1 className='text-text-xl-bold text-gray-900'>{nickName}</h1>
diff --git a/src/components/shared/card/card-profile/index.tsx b/src/components/shared/card/card-profile/index.tsx
index 5917628f..f8f184d6 100644
--- a/src/components/shared/card/card-profile/index.tsx
+++ b/src/components/shared/card/card-profile/index.tsx
@@ -1,4 +1,4 @@
-import Image from 'next/image';
+import { ImageWithFallback } from '@/components/ui';
 
 type CardProfileProps = {
   nickName: string;
@@ -11,17 +11,12 @@ const DEFAULT_SIZE = 16;
 export const CardProfile = ({ nickName, profileImage, size = DEFAULT_SIZE }: CardProfileProps) => {
   return (
     <div className='mt-3 flex items-center gap-1.5'>
-      {profileImage ? (
-        <Image
-          width={size}
-          className='rounded-full object-cover'
-          alt={nickName}
-          height={size}
-          src={profileImage}
-        />
-      ) : (
-        <div className='rounded-full bg-gray-600' style={{ width: size, height: size }} />
-      )}
+      <div
+        className='relative shrink-0 overflow-hidden rounded-full'
+        style={{ width: size, height: size }}
+      >
+        <ImageWithFallback className='object-cover' alt={nickName} fill src={profileImage || ''} />
+      </div>
       <span className='text-text-xs-medium text-gray-900'>{nickName}</span>
     </div>
   );
diff --git a/src/components/shared/card/card-thumbnail/index.test.tsx b/src/components/shared/card/card-thumbnail/index.test.tsx
index 02c4fa36..a65a510a 100644
--- a/src/components/shared/card/card-thumbnail/index.test.tsx
+++ b/src/components/shared/card/card-thumbnail/index.test.tsx
@@ -5,24 +5,18 @@ import { CardThumbnail } from '.';
 describe('CardThumbnail', () => {
   const defaultProps = {
     title: '썸네일 테스트',
-    onError: jest.fn(),
   };
 
-  test('썸네일이 없으면 회색 배경 박스만 렌더링된다', () => {
-    render(<CardThumbnail {...defaultProps} hasThumbnail={false} />);
+  test('썸네일이 없으면 기본 그룹 이미지를 렌더링한다', () => {
+    render(<CardThumbnail {...defaultProps} />);
 
-    // 이미지가 없으므로 alt로 찾을 수 있는 이미지 요소가 없어야 한다
-    expect(screen.queryByAltText(defaultProps.title)).not.toBeInTheDocument();
+    // 썸네일이 없으면 기본 그룹 이미지가 fallback으로 렌더링되어야 한다
+    const img = screen.getByAltText(defaultProps.title);
+    expect(img).toBeInTheDocument();
   });
 
-  test('hasThumbnail과 thumbnail이 모두 truthy이면 이미지가 렌더링된다', () => {
-    render(
-      <CardThumbnail
-        {...defaultProps}
-        hasThumbnail
-        thumbnail='https://example.com/thumbnail.jpg'
-      />,
-    );
+  test('thumbnail이 있으면 이미지가 렌더링된다', () => {
+    render(<CardThumbnail {...defaultProps} thumbnail='https://example.com/thumbnail.jpg' />);
 
     const img = screen.getByAltText(defaultProps.title);
     expect(img).toBeInTheDocument();
diff --git a/src/components/shared/card/card-thumbnail/index.tsx b/src/components/shared/card/card-thumbnail/index.tsx
index ce10596b..63bd4d94 100644
--- a/src/components/shared/card/card-thumbnail/index.tsx
+++ b/src/components/shared/card/card-thumbnail/index.tsx
@@ -1,26 +1,24 @@
-import Image from 'next/image';
+import { DEFAULT_GROUP_IMAGE } from 'constants/default-images';
+
+import { ImageWithFallback } from '@/components/ui';
 
 type CardThumbnailProps = {
   title: string;
   thumbnail?: string;
-  hasThumbnail: boolean;
-  onError: () => void;
 };
 
-export const CardThumbnail = ({ title, thumbnail, hasThumbnail, onError }: CardThumbnailProps) => {
+export const CardThumbnail = ({ title, thumbnail }: CardThumbnailProps) => {
   return (
     <div className='relative h-[100px] w-[100px] shrink-0 overflow-hidden rounded-2xl bg-gray-200'>
-      {hasThumbnail && thumbnail ? (
-        <Image
-          width={100}
-          className='h-full w-full object-cover'
-          alt={title}
-          height={100}
-          src={thumbnail}
-          unoptimized
-          onError={onError}
-        />
-      ) : null}
+      <ImageWithFallback
+        width={100}
+        className='h-full w-full object-cover'
+        alt={title}
+        fallbackSrc={DEFAULT_GROUP_IMAGE}
+        height={100}
+        src={thumbnail ?? ''}
+        unoptimized
+      />
     </div>
   );
 };
diff --git a/src/components/shared/card/index.test.tsx b/src/components/shared/card/index.test.tsx
index d402e7f7..6465b3f7 100644
--- a/src/components/shared/card/index.test.tsx
+++ b/src/components/shared/card/index.test.tsx
@@ -27,12 +27,12 @@ describe('Card', () => {
     ).toBeInTheDocument();
   });
 
-  test('프로필 이미지가 없으면 회색 원형 플레이스홀더를 렌더링한다', () => {
+  test('프로필 이미지가 없으면 기본 프로필 이미지를 렌더링한다', () => {
     render(<Card {...defaultProps} />);
 
-    // profileImage가 null이면 nickName을 alt로 가진 img 요소가 없어야 한다
-    const profileImg = screen.queryByRole('img', { name: defaultProps.nickName });
-    expect(profileImg).not.toBeInTheDocument();
+    // profileImage가 null이면 기본 프로필 이미지가 렌더링되어야 한다
+    const profileImg = screen.getByRole('img', { name: defaultProps.nickName });
+    expect(profileImg).toBeInTheDocument();
   });
 
   test('onClick이 전달되면 카드 전체가 클릭 가능하고 핸들러가 호출된다', async () => {
diff --git a/src/components/shared/card/index.tsx b/src/components/shared/card/index.tsx
index 36dc2af2..8c36f62e 100644
--- a/src/components/shared/card/index.tsx
+++ b/src/components/shared/card/index.tsx
@@ -1,7 +1,5 @@
 'use client';
 
-import { useState } from 'react';
-
 import { Button } from '@/components/ui';
 import { cn } from '@/lib/utils';
 
@@ -53,10 +51,7 @@ const Card = ({
   leaveAndChatActions,
   tabType,
 }: CardProps) => {
-  const [imageError, setImageError] = useState(false);
-
   const thumbnail = images?.[0];
-  const hasThumbnail = !!thumbnail && !imageError;
   const cardTags = convertToCardTags(tags);
   const progress = calculateProgress(participantCount, maxParticipants);
   const shouldShowButtons = leaveAndChatActions && tabType !== 'past';
@@ -73,12 +68,7 @@ const Card = ({
       <div className='flex min-w-0 gap-4'>
         <div className='flex flex-col justify-between'>
           <div>
-            <CardThumbnail
-              hasThumbnail={hasThumbnail}
-              thumbnail={thumbnail}
-              title={title}
-              onError={() => setImageError(true)}
-            />
+            <CardThumbnail thumbnail={thumbnail} title={title} />
 
             <CardProfile nickName={nickName} profileImage={profileImage} />
           </div>