The problem is non existent for you today. That may change.
RFID relays have been implemented. It's a physical weakness of the system, and cannot be countered by redesign of the card or reader.
it has now great monetary value. it will be (and has probably been) exploited.
an example of POC :
https://online.tugraz.at/tug_online/voe_main2.getvolltext?pCurrPk=72600This one has a big lag time, that can be detected by the system, if the system is designed for it. But the lag can be reduced to undetectable levels, and then you have a breached system that cannot be corrected. So there is a real problem.
An extremely simple proof of concept is just a coax cable with two coils.
It's not really practical, but adding amplifiers and low-lag transceivers make it really exploitable.