Google has announced two major additions to its digital payments platform in India—Ask Google Pay, a new Gemini-powered conversational AI assistant, and the Google Pay Flex SBI Card, developed in partnership with SBI Card. These new features are designed to make personal finance management simpler, smarter, and more accessible for millions of Google Pay users.
Ask Google Pay AI assistant
UPI has simplified digital payments, but users may still need help understanding their transactions, managing money, and tracking their spending. To address this, Google has introduced Ask Google Pay, an opt-in conversational AI experience built into the Google Pay app.
Powered by Google’s Gemini models, Ask Google Pay helps users analyse spending patterns, get savings tips, explore tailored offers, and learn about financial concepts such as SIPs and credit scores.
- Analyse their spending patterns and understand where their money is being spent.
- Get suggestions to save better and manage their money.
- Explore tailored offers, including help finding a suitable credit card for travel expenses.
- Learn about financial topics such as SIPs and credit scores.
- Understand financial terms, compounding interest, and differences between tax regimes.
AI assistant provides personalised suggestions based on Google Pay transaction history and CIBIL report data available with Google Pay. Users can interact with Ask Google Pay through text input or voice queries and receive responses in supported Indian languages, with support available in 10 Indian languages.
Google said Ask Google Pay provides financial information and insights for educational purposes only and is not a replacement for professional financial advice. Since the feature is powered by AI, responses may occasionally contain errors.
Google recommends that users avoid sharing sensitive information such as passwords, PINs, full account numbers, or other financial identifiers with Ask Google Pay.
Google Pay Flex SBI Card
Flex by Google Pay credit card experience through a partnership with SBI Card. The Google Pay Flex SBI Card is built on the RuPay network and allows users to apply directly from within the Google Pay app without physical paperwork. The card supports payments across both RuPay and Visa networks. Users can earn Stars on Flex transactions, redeem them instantly, and convert their latest outstanding credit card bill into EMI options.
Key features of the Google Pay Flex SBI Card include:
- Apply directly through Google Pay without physical paperwork.
- Use the card across RuPay and Visa payment networks.
- Earn Stars on every Flex transaction, with 1 Star equal to ₹1.
- Redeem Stars instantly for eligible transactions.
- Convert outstanding credit card bills into EMI options.
Google will soon provide Flex card customers access to the Google AI Plus plan at a 50% discount for one year. The offer includes storage options of 400GB and 2TB.
Flex users will also earn additional Stars for everyday purchases and receive discounts across the Google Pixel smartphone range. Ask Google Pay is currently rolling out to a limited number of users in India and may not be available for everyone yet. The feature is available through the Google Pay app for eligible users.