CC stolen and transactions worth 2.5L done on it

Hello All ,

I went on an international vacation and someone stole my credit card and did 2.5 L in INR worth of transactions .

While I was checking in the hotel I received a mail and sms for 2 transactions which makes it 2.5L INR and 5 declined transactions of 4.8 L as the card declined the limit . I blocked the card & approached the bank to raise a dispute.

I had reported this to my bank in under 4-5 hours of it happening I was told by the phone banking team that the TAT is 90 days and I will get a temporary limit till the case is solved . Simultaneously, I had reported the stolen of card and got a physical complaint to present it to the bank.

Within 24 hours I received a mail from the bank that I have shared my pin and the person has used the card and also told me to make the payment to avoid the further charges.

The card was tap & pay mode where you don’t require a pin. Hence , the transaction went through.

PS - I did take travel insurance and have spoken to them also but I am not sure whether it will work or not as the representative said we will look into and revert.

I wrote a mail to RBI to help me in this matter , can someone suggest me what else can be done ? It is causing me unnecessary stress now. What happens in the scenarios like this ?