Google Pay has unveiled 'Ask Google Pay', an AI-powered conversational financial assistant designed to help users better understand and manage their finances. Alongside this, the company has expanded its credit offerings with the launch of the Google Pay Flex SBI Card, aiming to make digital credit more accessible for Indian users.
AI Assistant to Help Users Understand Their Money
Powered by Google's Gemini AI models, Ask Google Pay is an optional in-app feature that allows users to analyse their spending habits through simple conversations. The feature is designed to answer questions related to expenses, provide personalised saving suggestions, explain financial concepts, and recommend suitable financial products based on users' spending behaviour.
Using transaction history and, where permitted, credit report data, the assistant can generate tailored insights such as monthly spending summaries, travel-related credit card recommendations, and budgeting tips.
Source: Google
The AI assistant also supports 10 Indian languages, enabling users to interact using text or voice in their preferred language. Apart from analysing expenses, users can ask questions about financial concepts including SIPs, credit scores, compounding interest, taxation, and different income tax regimes.
Google clarified that Ask Google Pay is intended purely for educational and informational purposes and that users retain complete control over their financial data.
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Google Pay Flex SBI Card Launched
Expanding its financial services portfolio, Google Pay has also partnered with SBI Card to introduce the Google Pay Flex SBI Card.
Issued on the RuPay network with support for Visa payments, the new credit card enables users to make payments through UPI as well as traditional card networks. Customers can apply digitally within the Google Pay app without requiring physical paperwork.
Key features of the Google Pay Flex SBI card include:
- Fully digital application process within Google Pay
- Support for both RuPay and Visa payment networks
- Instant rewards through the Flex Stars programme, where 1 Star equals ₹1
- Option to convert outstanding credit card bills into EMIs with flexible repayment plans
Additional Benefits Coming Soon
Google also announced additional benefits for Flex cardholders that will roll out in the coming months. Eligible customers will receive 50% off the Google AI Plus subscription for one year, which includes higher cloud storage options, along with bonus reward stars on eligible purchases.
Cardholders will also be offered discounts on selected Google Pixel smartphones.
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Focus on Financial Inclusion
The latest announcements reflect Google's continued push to strengthen its digital financial ecosystem in India by combining AI-powered financial assistance with easier access to credit. The company says these initiatives are intended to help users make informed financial decisions while ensuring their data remains secure and under their control.
