id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
zkb:credit_standard:annual_fee,zkb:credit_standard,zkb,annual_fee,Hauptkarte Jahresgebuehr,100.0,CHF,annual,,,Zusatzkarte CHF 25/Jahr. Entfaellt im Paket.,14,2026-04-01,free
zkb:credit_standard:replacement_card,zkb:credit_standard,zkb,replacement_card,Ersatzkarte,20.0,CHF,one_time,,,Platinum und Gold: kostenlos,14,2026-04-01,free
zkb:credit_standard:cash_advance,zkb:credit_standard,zkb,cash_advance,Bargeldbezug weltweit,4.0,percent,per_txn,,,Min CHF 10,14,2026-04-01,free
zkb:credit_standard:fx_markup,zkb:credit_standard,zkb,fx_markup,Fremdwaehrungstransaktionen,1.75,percent,per_txn,,,,14,2026-04-01,free