id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
clientis_oberaargau:credit_world_silber:annual_fee,clientis_oberaargau:credit_world_silber,clientis_oberaargau,annual_fee,Hauptkarte Silber/Classic,100.0,CHF,annual,,all,"Hauptkarte CHF 100/Jahr, Zusatzkarte CHF 25/Jahr.",3,2026-01-01,free
clientis_oberaargau:credit_world_silber:additional,clientis_oberaargau:credit_world_silber,clientis_oberaargau,annual_fee,Zusatzkarte Silber/Classic,25.0,CHF,annual,,,,2,,free
clientis_oberaargau:credit_world_silber:replace,clientis_oberaargau:credit_world_silber,clientis_oberaargau,replacement_card,Ersatzkarte Silber,20.0,CHF,per_use,,,,2,,free