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I've had cards replaced twice because of fraud. The first one was in the account database of a US firm and the thief was caught by the FBI when he tried to sell the database.
The second I think got skimmed when I was in Prague, and several months later around $AU1500 was changed against it in Sweden. That took a few weeks and some paperwork to sort.
Then a few weeks ago my account got flagged by the unusual transaction monitor. The bank tried SMS, calling my mobile, calling the office, and emailing me on the two addresses they have. All sorted out in minutes.
Hope yours doesn't cause you too much grief.
And no matter what people say about the Australian banks, I'd rather deal with them than any others I've used over the years.
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