id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
zkb:credit_gold:annual_fee,zkb:credit_gold,zkb,annual_fee,Hauptkarte Jahresgebuehr,200.0,CHF,annual,,,Zusatzkarte CHF 50/Jahr. Entfaellt im Paket.,14,2026-04-01,free
zkb:credit_gold:cash_advance,zkb:credit_gold,zkb,cash_advance,Bargeldbezug weltweit,4.0,percent,per_txn,,,Min CHF 10,14,2026-04-01,free
zkb:credit_gold:fx_markup,zkb:credit_gold,zkb,fx_markup,Fremdwaehrungstransaktionen,1.75,percent,per_txn,,,,14,2026-04-01,free