Hello,if you know javascript you can make your phishing website by your own.
If you dont know how to code then its still fine as there are coders who will make any kind of phishing site for you.
It can cost $200-600,depends on the site & it's features.They will help you setting up with VPS & bulletproof hosting.
Once you have your phishing site,you need to send traffic to it,you can do it with the help of google/bing ads or by sending SMS through SMS gateway or by email spamming.
When the victim will enter the card or bank data in phishing site,it will be sent to your phishing panel.