id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
vdkb:credit_or:annual_fee,vdkb:credit_or,vdkb,annual_fee,Cotisation annuelle carte principale,200.0,CHF,annual,,,1/2 prix la premiere annee; CHF/EUR/USD 200,10,2026-01-01,free
vdkb:credit_or:supplementary_separate,vdkb:credit_or,vdkb,supplementary_card,Carte supplementaire decompte separe,75.0,CHF,annual,separate_billing,,EUR/USD 75,10,2026-01-01,free
vdkb:credit_or:supplementary_common,vdkb:credit_or,vdkb,supplementary_card,Carte supplementaire decompte commun,50.0,CHF,annual,,,EUR/USD 100,10,2026-01-01,free
vdkb:credit_or:late_payment,vdkb:credit_or,vdkb,late_payment_fee,Frais de retard de paiement,20.0,CHF,per_txn,,,EUR/USD 15 par facture,11,2026-01-01,free
vdkb:credit_or:cash_advance,vdkb:credit_or,vdkb,cash_advance,Retrait especes,4.0,percent,per_txn,,,Min. CHF/EUR/USD 10,12,2026-01-01,free
vdkb:credit_or:fx_markup,vdkb:credit_or,vdkb,fx_markup,Zuschlag Fremdwaehrung,1.75,percent,per_txn,,,Conversion au cours Viseca,12,2026-01-01,free
vdkb:credit_or:replacement,vdkb:credit_or,vdkb,card_replacement,Carte de remplacement,0.0,CHF,one_time,,,,10,2026-01-01,free