How the Top-Up Fee Is Calculated
The top-up fee applies to the amount you send, not to the balance you end up with. To land a given balance on the card you send that balance plus the fee, and the checkout does that arithmetic for you before you confirm anything.
On a Virtual card at 5% + $10/new card, funding a new card with a $100.00 balance means sending $115.26: $100.00 lands on the card, $5.26 is the top-up fee, and $10.00 is the one-time issuance fee for that card. Topping the same card up again later costs the top-up fee only, because issuance is charged once per card.
On a Platinum card the top-up fee is 0%, so the amount you send is the amount that lands on the card.
