id,product_id,bank_id,condition_type,trigger_description,trigger_threshold_chf,effect_type,effect_magnitude,affected_fee_id,note,source_page,valid_from
vskb:conto_premium:additive_bonus_5_kriterien,vskb:conto_premium,vskb,additive_cross_sell_bonus,"5 Kriterien kumulierbar: (a) Sparen >=CHF 50k, (b) Epargne 3, (c) Depot titre, (d) Hypothek, (e) Placements BCVS >CHF 20k — CHF 1.50 Rabatt pro erfuelltem Kriterium (max CHF 7.50/Monat)",,fee_reduced,1.5,,Batch 22 novel: additive Rabatt-Bausteine statt binary yes/no (vs OWKB 3-way-OR) oder Sum-of-relationship (vs EKI). Standard-Paket komplett gratis bei 5 Kriterien = zero-fee-outcome-Marketing.,,2026-01-01