id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
clientis_oberaargau:credit_world_gold:annual_fee,clientis_oberaargau:credit_world_gold,clientis_oberaargau,annual_fee,Hauptkarte Gold,200.0,CHF,annual,,all,"Hauptkarte CHF 200/Jahr, Zusatzkarte CHF 50/Jahr. Kombiangebot (Mastercard+Visa Gold) CHF 230/Jahr.",3,2026-01-01,free
clientis_oberaargau:credit_world_gold:additional,clientis_oberaargau:credit_world_gold,clientis_oberaargau,annual_fee,Zusatzkarte Gold,50.0,CHF,annual,,,,2,,free