id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
zkb:credit_gold_intl:annual_fee,zkb:credit_gold_intl,zkb,annual_fee,Hauptkarte Jahresgebuehr,200.0,EUR,annual,,,Zusatzkarte EUR/USD 100,16,2026-04-01,free
zkb:credit_gold_intl:fx_markup,zkb:credit_gold_intl,zkb,fx_markup,Fremdwaehrungstransaktionen,1.75,percent,per_txn,,,,16,2026-04-01,free