It's quite sad that this comment (which is currently at the top) is full of misinformation.
Yes, you need an RFID card (or keychain hanger), because these are low-margin transactions; transaction fees would make charging more expensive, and the fees to maintain card readers would mean that there would be much fewer charging points as they would be more expensive to install.
No, you don't need an app. Some charge points allow you to use an app instead of a card, if you prefer that. But that's by no means required, you can always use a card instead.
No, you don't need 5 cards. One card (plus a backup one in case of an outage) should be plenty, the exception being if you're going abroad (this depends on the roaming agreements your card provider has). Now, some cards offer cheap rates at some charge points, so by having multiple cards it's possible to save some money. But that's by no means required.