Poor quality bank cards

I have a Cheque card from Standard bank whom I bank with Standard bank gives us poor quality bank cards in a year or 6 months the chip is damaged you must pay R160, my cheque card can not read ATM and Tills,so I went to branch and I was told they can only give me a debit card that I will have to pay R160 for and with that card I can only withdraw money or pay with I can't use it for online shopping should I want to do that I can still use the damaged one and at the branch they can't apply for a new card for me I can only do that online,my card expires in 03/28 how many R160 that I will pay because of their poor quality bank cards, why they can't give us good quality bank cards or it's their trick of milking us money? why would you give me a 5 year term bank card that only lasts a year? Now I'm banking with standard bank should I want to buy something I must do instant cash for me wow what a great way of banking