[Spryng] Why does a «createTransaction» API method response not contain the bank card information?

It is because of the Spryng API and PHP SDK implementation.
The Spryng API does not return the used card details at all in a createTransaction response.

The card property is initialized by the Spryng PHP SDK, which sets only the ID property for a card in a response:
https://github.com/spryngpayments/php/blob/e1f0225b9/src/Complexity/SpryngPaymentsApiPhp/Helpers/TransactionHelper.php#L49-L52

So for now we have to make an extra API request to get the card information.
Other payment services returns the used card details the charge response: see a Paymill response as an example.
It reduces the time of a purchase for a buyer.