If it's just a credit card, it's definitely not necessary to do such a transaction, but since the bank staff said so, I think you can ask if there are any activities he wants you to participate in, such as how long it will take to fill the card, and then what kind of card opening ceremony you can have. In other words, new users can get any reward by paying or recharging through mobile banking after they have successfully applied for the card. Otherwise, the staff really have no reason to let you do this.