Many many months ago I got my card. I don’t remember paying anything for it. And I didn’t need to topup.
I recommended 2 other people - they both said they had to pay for their card AND add funds before anything else.
I got one for my wife. We had to topup £10. And then pay £12 for express delivery.
(I didn’t want to risk paying the lower amount and getting later.)
When did the new charges come into place?