Product not performing to expectations...

Good day...I recently app**** for a Gold Credit Card with African Bank which was successful. Upon receipt I then realised that the card does not have any Cardholder's name engraved on it because I wanted to purchase online. I then called the customer care only to be told that the card cannot be used for online purchases. What a bummer because most of my purchases are made online. Then I went on their website to check if there were any benefits to the card beside POS purchases. Then I saw under pricing that they charge R5.50 for funds transfer. i got my beneficiary's account details which happen to be of Nedbank and then I called the Customer Care again and only to be told that I cannot transfer funds. Now what good is a credut card that cannot be used online as well as transferring fund? I cannot even use it to pay my other debt with African Bank. All I want to do is to transfer funds to my beneficiary and that's it.