diff --git a/spring-aop/src/main/java/org/springframework/aop/retry/MethodRetrySpec.java b/spring-aop/src/main/java/org/springframework/aop/retry/MethodRetrySpec.java
index 6d9e499d21..0c432580bc 100644
--- a/spring-aop/src/main/java/org/springframework/aop/retry/MethodRetrySpec.java
+++ b/spring-aop/src/main/java/org/springframework/aop/retry/MethodRetrySpec.java
@@ -20,6 +20,8 @@ import java.time.Duration;
 import java.util.Collection;
 import java.util.Collections;
 
+import org.springframework.util.ExceptionTypeFilter;
+
 /**
  * A specification for retry attempts on a given method, combining common
  * retry characteristics. This roughly matches the annotation attributes
@@ -62,28 +64,9 @@ public record MethodRetrySpec(
 
 
 	MethodRetryPredicate combinedPredicate() {
-		return (method, throwable) -> {
-			if (!this.excludes.isEmpty()) {
-				for (Class<? extends Throwable> exclude : this.excludes) {
-					if (exclude.isInstance(throwable)) {
-						return false;
-					}
-				}
-			}
-			if (!this.includes.isEmpty()) {
-				boolean included = false;
-				for (Class<? extends Throwable> include : this.includes) {
-					if (include.isInstance(throwable)) {
-						included = true;
-						break;
-					}
-				}
-				if (!included) {
-					return false;
-				}
-			}
-			return this.predicate.shouldRetry(method, throwable);
-		};
+		return (method, throwable) -> new ExceptionTypeFilter(this.includes, this.excludes, true)
+				.match(throwable.getClass()) &&
+				this.predicate.shouldRetry(method, throwable);
 	}
 
 }
diff --git a/spring-core/src/main/java/org/springframework/core/retry/DefaultRetryPolicy.java b/spring-core/src/main/java/org/springframework/core/retry/DefaultRetryPolicy.java
index 7c697af0aa..7ebf356dfc 100644
--- a/spring-core/src/main/java/org/springframework/core/retry/DefaultRetryPolicy.java
+++ b/spring-core/src/main/java/org/springframework/core/retry/DefaultRetryPolicy.java
@@ -22,6 +22,7 @@ import java.util.function.Predicate;
 
 import org.jspecify.annotations.Nullable;
 
+import org.springframework.util.ExceptionTypeFilter;
 import org.springframework.util.backoff.BackOff;
 
 /**
@@ -29,6 +30,7 @@ import org.springframework.util.backoff.BackOff;
  *
  * @author Sam Brannen
  * @author Mahmoud Ben Hassine
+ * @author Mengqi Xu
  * @since 7.0
  */
 class DefaultRetryPolicy implements RetryPolicy {
@@ -55,26 +57,10 @@ class DefaultRetryPolicy implements RetryPolicy {
 
 	@Override
 	public boolean shouldRetry(Throwable throwable) {
-		if (!this.excludes.isEmpty()) {
-			for (Class<? extends Throwable> excludedType : this.excludes) {
-				if (excludedType.isInstance(throwable)) {
-					return false;
-				}
-			}
-		}
-		if (!this.includes.isEmpty()) {
-			boolean included = false;
-			for (Class<? extends Throwable> includedType : this.includes) {
-				if (includedType.isInstance(throwable)) {
-					included = true;
-					break;
-				}
-			}
-			if (!included) {
-				return false;
-			}
-		}
-		return this.predicate == null || this.predicate.test(throwable);
+		ExceptionTypeFilter exceptionTypeFilter = new ExceptionTypeFilter(this.includes,
+				this.excludes, true);
+		return exceptionTypeFilter.match(throwable.getClass()) &&
+				(this.predicate == null || this.predicate.test(throwable));
 	}
 
 	@Override