Excessive planting density and heavy rainfall weather threatens global agriculture, particularly affecting maize. Biochar is an environmentally friendly soil amendment that has a yield-increasing effect. However, the regulatory mechanism of biochar frequency on crop internode development and photosystem II photosynthetic efficiency remains unknown. A total of nine treatments were followed in this experiment. Three applications of biochar were as follows: no biochar application (B0); biochar application at 4.2 t ha⁻¹ year⁻¹ (B1); and biochar application at 8.4 t ha⁻¹ 2 year⁻¹ (B2), alongside three nitrogen (N) fertilizer rates (0, N0; 180 kg ha⁻¹, N1 and 225 kg ha⁻¹, N2). The results showed that the internode thickness of the 2nd to 5th nodes under N2B2 treatment increased by 17.7%, 16.0%, 19.7%, and 21.7%, respectively, compared to N0B0. Annual biochar application had a higher stem diameter coefficient for the 1st to 3rd nodes than no biochar (B0) and treatments applied every two years (B2). Annual biochar application had the highest dry weight of internodes and plant height compared with B0 and B2. The relative chlorophyll content of leaves was significantly increased by biochar combined with N fertilizer or by N fertilizer alone. Biochar combined with N fertilizer significantly reduced NPQt and ΦNPQ, which were reduced by 59% and 50%, respectively, under N2B1 treatment compared with N0B0. The N2B1 treatment increased ΦII by 30% compared to N0B0. Stem diameter coefficient was significantly negatively correlated with NPQt and ΦNPQ and significantly positively correlated with ΦII and Fv/Fm. Compared to B1, B2 increased the maize yield. Annual biochar application combined with N fertilizer reduced stem collapse and enhanced post-flowering photosynthesis. Overall, considering the yield traits, 8.4 t ha⁻¹ biochar application combined with 180 kg ha⁻¹ N fertilizer treatment was the best. This study will provide reference data for cultivation regulation to enhance maize’s resistance to collapse and maintain photosynthetic capacity.