id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
hbl:cc_commercial_gold:annual_fee,hbl:cc_commercial_gold,hbl,annual_fee,Jahresgebuehr Hauptkarte,170.0,CHF,annual,,,,11,2026-04-01,free