Card replacement fee on damaged card

This morning I went to a Filling Station to fill my car as usual but I was unable to pay for petrol as my Capitec card was not working at an ATM.I then took a decision to visit local branch, which is one of the Branches in Welkom, Free State. On my arrival I told them that I am unable to withdraw cash or swipe using my card. The consultant instructed me to put my card in their machine and she then told me that my Card is damaged and needs to be replaced and I was happy to hear that but problem came when I was told that I have to pay R70.00 for card replacement. My argument is that I still have my card with me and in my eyes everything looks fine except that I am told that the chip is damaged. Explanation given to me was that, they can only replace card for free if it has expired. My worry is that every time my card is not working, I am going to have to pay for replacement. In my view, this unfair. The bank its self cannot guarantee that the chip on their card will be in working condition until the card expires after five years .I further wish to state that in trying to understand this whole thing, I went through my contract. Capitec terms and conditions, section 5.3 its reads( Your account maybe charged with a Card replacement fee if your card is lost, ******, damaged or has expired). Upon reading this, my understanding is that card replacement fee maybe charged or may not be charged. Maybe they need to clarify this statement. Lastly, during my interaction with the Service Consultant, I requested to speak to a Branch Manager but instead the Consultant came with his colleague not a Manager as requested I then concluded that the Branch Manager felt that there was no need to talk me as this matter was of no importance.