If you can go swimming and exercise at least three times a week, it is still cost-effective to apply for an annual card. The annual card is usually more favorable than the secondary card and can be used unlimited times.
However, if you only go swimming and fitness occasionally, or you can't insist on going often, it may not be cost-effective to apply for an annual card. You can usually buy supplementary cards according to actual needs, which can better control the cost.
In addition, if you just want a good figure on a whim, even if you have an annual card, it is difficult to stick to it. In this way, the annual card may not be cost-effective.
Therefore, whether to apply for the annual swimming fitness card needs to be considered according to your actual situation. If you can often go swimming and exercise, it is still cost-effective to apply for an annual card. If you only go occasionally or can't insist, it may not be cost-effective to apply for an annual card.