id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
arb:credit_silber:annual_fee,arb:credit_silber,arb,annual_fee,Jahresgebuehr Erstkarte,100.0,CHF,annual,,,,,2026-04-01,free
arb:credit_silber:additional_card,arb:credit_silber,arb,additional_card,Jahresgebuehr Zusatzkarte,25.0,CHF,annual,,,,,2026-04-01,free