SBI Card's income rose 12% YoY, but profit declined due to rising costs, impairments, and a marginal asset quality dip.

• Interest and fee income grew steadily, but higher finance and operating costs hit overall profitability this quarter.
• Cards-in-force rose 10% and spending rose 21%, despite a slight drop in new account additions and higher receivables.
• Market share in cards improved; CRAR strong at 23.2%, though gross NPAs inched up slightly to 3.07%.