Is it permissible to request a bank card from an online bank to meet work needs via the internet, given that there is a penalty clause imposing 0.5% interest daily for延迟 payment of service fees, and is this considered usury even if the increase is not taken?

The bank's demand that the client pay an increase for late payment of fees is usury (riba). It is not permissible to agree to this usurious condition, even if the client intends not to delay payment, unless they are compelled to do so by a dire and valid necessity.