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Which is more cost-effective than swimming fitness annual card or season card?
This mainly depends on your personal situation.

The total amount of annual card is higher than that of season card, but it will be more affordable if it is divided into months. It depends on whether you plan to go swimming for a long time or temporarily. If you travel for a long time, you will get an annual card, which will be cheaper every month. If it is temporary, choose the season card, because most swimmers choose summer, which happens to be a season.