Topup TV card

Firstly, apologies for being a complete ignoramus when it comes to Decryption and secondly for being foolish enough to subscribe to Topup TV.

I have two settop boxes and an idtv but only one card. By inserting and uninserting the card every time I think its going to wear out. I see there is a card splitter but thats not very convenient for the TV upstairs. Is there any easier way? I can see the problems if one has no subscription but was hoping that with a subscription things might be easier.

Thanks in advance - I see there are some real experts on this forum.