If it is a credit card jointly issued by Meituan, then this card is jointly issued by Meituan and the bank, and this card is a credit card. Meituan Flash Card is essentially a combination of savings card and credit card, which is used for fast payment, so it belongs to the fast payment function, and Meituan Flash Card is not a credit card.
If you want to distinguish whether a card is a credit card, it depends on whether the card has a consumption function.