To use your card in store you will need a phone that supports NFC (Near-Field Communication), so that you can make contactless payments.
If your phones RFID is broken or your phone doesn’t have an RFID chip you will also be unable to make contactless payments.
However, you can use your card for online purchases without NFC or with a broken RFID chip; just follow the steps outlined in How do I use my Vault Payments card for online purchases?