SELECT 
  * 
FROM 
  cscart_cu_product_payment_fee 
WHERE 
  product_id = 661

Query time 0.00013

JSON explain

{
  "query_block": {
    "select_id": 1,
    "table": {
      "table_name": "cscart_cu_product_payment_fee",
      "access_type": "ref",
      "possible_keys": ["idx_product_id"],
      "key": "idx_product_id",
      "key_length": "4",
      "used_key_parts": ["product_id"],
      "ref": ["const"],
      "rows": 1,
      "filtered": 100
    }
  }
}