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 will be charged after activation. Different banks charge different annual fees. For example, the China Construction Bank's US Mission Review Food Co-branded Card has an annual fee set to 580 yuan, which will be charged after activation, and 10 consumption will be exempted from the annual fee. The annual fee rule of CITIC Bank Meituan Co-branded Card is that the annual fee for Platinum Card is 480 yuan/year, and the annual fee is exempted in the first year, and the annual fee for spending (unlimited) 12 times is exempted in the next year, and so on.