Actually just a specific fee is capped in EU, the interchange fee.
"Interchange is a small fee typically paid by acquirers (retailer’s bank) to issuers (cardholder's bank), to recognise the value delivered to retailers, governments and consumers by accepting electronic payments."
The interchange fee does not go to Visa or Mastercard, do I think they are free to increase any other fee (if they are not colluding in a cartel ;)
BTW This is the reason that in EU credit cards gives no rewards or very small ones. Rewards are, for the most part, coming out of the interchange fee.
