Google has introduced Ask Google Pay, a Gemini-powered conversational AI experience within the Google Pay app in India, along with the Google Pay Flex SBI Card in partnership with SBI Card. The new features focus on helping users understand their spending, access financial information, and manage everyday credit through Google Pay.
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.
With Ask Google Pay, users can:
- 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.
The 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.
Privacy and data handling
Ask Google Pay uses information such as Google Pay transaction history and CIBIL report data, where users have provided consent, to provide personalised suggestions. The Personalization within Google Pay setting is required to use the feature and is turned off by default.
Google also said that:
- User data remains within the Google Pay ecosystem.
- Data is not shared with third-party applications.
- Data is not used to train Google’s AI models.
- Ask Google Pay does not access or process full credit or debit card numbers, complete bank account numbers, or government-issued financial IDs.
Google Pay Flex SBI Card features
Google has expanded its 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.
Benefits for Flex users
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.
Availability
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.
The Google Pay Flex SBI Card is available starting today through the Google Pay app for eligible users.