When I was exporting a massive CRM list, I ran into the same issue. Most online tools lag, freeze, or time out as they process everything server-side. The most secure way is to use an offline converter so that your system is the one that handles the heavy lifting and not a website. I also cleaned my CSV from the CRM export by removing formula-based fields and unnecessary blank columns before converting. A preview-based tool helped me make sure that everything was lined up before the conversion. I chose to use DataVare
CSV to vCard Converter because it was the one that could manage large CSVs without a crash. If your system is a bit old you can also divide your CSV into smaller pieces (for example, 1,000 entries each) and work on them separately.