id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
shkb:bankpaket_kreditkarte:annual_fee,shkb:bankpaket_kreditkarte,shkb,annual_fee,Jahresgebuehr Kreditkarte,100.0,CHF,annual,,,CHF 50 mit Bankpaket PLUS (50% Rabatt),,2026-01-01,free