State Bank Of India [SBI] — credit card payment without otp

Address: Lucknow, Uttar Pradesh, 226002

Sir

I lived in lucknow, i have a credit card from sbi. Dated on 21/09/2017 time was 10:37, i received two sms, that i make two payment against some purchase. I received a call from sbi, they asking for transaction, i ignore it, because i was slept. How any person can use my credit card without receiving otp. Near about 1 lakh rupees was expense from my card. How i can get it back. I am socked. Please help me.