Credit goes to @wangasm and @VantageXL for pointing this out.
It says activation is $6.95 but it’s actually included.
The Activ gift cards have no activation fee ($50 to $200).
People who bought discounted coles Mastercards (which can be used only online) can convert to these which can be added to digital wallets, and also physical card. These give more flexibility (fill up car, grocery shopping etc), then just online spending.
Also if you need to meet a credit card spending criteria
Work with paypal?