If you apply for a debit card, you may need to deposit 10 yuan into the card when activating the card, but it is not the fee charged by the bank, but directly deposited into the debit card.
If you apply for a credit card, an annual credit card fee may be incurred after activation. In some areas, there may be some preferential policies for collecting annual fees, such as swiping your card six times to get rid of the annual fee.