Need. According to the official customer service of Meituan, after applying for Meituan's joint credit card and successfully issuing it, there will be no annual fee if it is not activated. An annual fee is charged after activation. Different banks charge different annual fees. For example, China Construction Bank's Meituan Review Food Co-branded Credit Card has an annual fee of 580 yuan, which is charged after activation, and 10 consumption is free of annual fee. The annual fee rules of China CITIC Bank Meituan Co-branded Card are 480 yuan/year for Platinum Card, free of annual fee in the first year, free of annual fee for consumption (unlimited amount) 12 times in the second year, and so on.