Add fee to carts with matching product categories

add_action( 'woocommerce_cart_calculate_fees', function( $cart ) {

	// Skip Admin Non AJAX
	if( is_admin() && ! defined( 'DOING_AJAX' ) ) {
		return;
	}

	// Item Counter
	$qty = 0;

	// Loop Cart Items
	foreach( $cart->get_cart() as $cart_item_key => $cart_item ) {
		if(
			has_term(
				[ 'category1', 'category2' ],
				'product_cat',
				$cart_item['product_id']
			)
		) {
			$qty += $cart_item['quantity'];
		}
	}

	// Maybe Add Fee To Cart
	if( $qty ) {
		$cart->add_fee(
			'Surcharge',
			1.00 * $qty
		);
	}

} );