Gemini expands into Google Pay with AI-powered spending insights in India

Google has introduced a new artificial intelligence feature for Google Pay in India, bringing its Gemini AI assistant directly into the payments platform. The new capability, called Ask Google Pay, is designed to help users better understand their spending habits, learn about personal finance and discover relevant financial products through a conversational interface.

The feature marks another step in Google’s broader effort to integrate Gemini across its products and services. Rather than requiring users to browse lengthy payment histories manually, the AI assistant allows them to ask natural-language questions about their finances in either text or voice. Google says the feature is entirely optional, giving users control over whether they want to use the AI-powered experience.

Gemini analyses spending patterns and financial data

Google Pay draws on a user’s transaction history and credit report to generate personalised responses. Instead of scrolling through lists of merchants and payments, users can ask questions such as where most of their money was spent during the previous month or request explanations of financial topics, including credit scores.

Say hello to Ask Google Pay – A new conversational experience on Google Pay powered by Gemini ✨

Starting today, you can:
💸 Understand your spending patterns
💡 Get tips to save better
📚 Learn about SIPs, credit scores and more
🌐 Get answers in 10 Indian languages

Know… pic.twitter.com/JkeH0YDDVC

— Google India (@GoogleIndia) July 29, 2026

The conversational assistant currently supports 10 Indian languages, making the feature accessible to a wider range of users across the country. Google says the service is designed to make financial information easier to understand by providing answers in a simple, interactive format.

Beyond reviewing spending activity, Ask Google Pay can also suggest ways users can save money and present personalised offers based on their financial behaviour. For example, it may recommend a credit card that better matches a person’s travel spending or purchasing patterns. Google positions the feature as a combination of spending analysis, financial education and AI assistance rather than a traditional budgeting tool.

The company has stressed that Ask Google Pay is intended for educational purposes and should not be considered a source of financial advice. Google also says participation is voluntary and that users remain in control of their financial data when deciding whether to enable the feature. The rollout of Ask Google Pay began in India on 30 July.

Google expands its digital credit card offering

Alongside the launch of Ask Google Pay, Google has announced the expansion of its Flex digital credit card programme through a partnership with SBI Card. The new Google Pay Flex SBI Card enables eligible users to apply for and manage a digital credit card directly within the Google Pay app.

The latest partnership builds on Google’s earlier collaboration with Axis Bank, which introduced the Flex digital credit card experience in December 2025. By adding SBI Card to the programme, Google is extending access to more users while continuing to simplify the application process.

Unlike conventional credit card applications that often involve paperwork and branch visits, the Google Pay Flex SBI Card can be requested entirely through the mobile application. The digital-first approach is intended to reduce friction for users seeking credit services while keeping the process within Google’s payments ecosystem.

The expansion reflects Google’s wider ambition to make Google Pay more than just a payments platform. By combining payment services, digital credit products and AI-powered insights, the company is gradually transforming the app into a broader financial management tool for users in India.

Google Pay evolves beyond digital payments

Google Pay initially gained popularity in India by allowing users to send money instantly, pay merchants through Unified Payments Interface (UPI) codes and complete everyday transactions quickly. Over time, the platform has expanded its capabilities to include additional financial services beyond simple peer-to-peer payments.

The addition of Gemini-powered spending analysis represents another stage in that evolution. Rather than functioning solely as a payment application, Google Pay is increasingly positioning itself as a platform that helps users understand their financial habits, improve financial literacy and discover products that match their needs.

The introduction of conversational AI also reflects a broader trend across the technology industry, where companies are embedding generative AI into consumer applications to simplify everyday tasks. In Google Pay’s case, the company hopes that natural language interactions will make financial information easier to access, particularly for users who may find traditional transaction histories difficult to interpret.

By integrating AI insights with payment history, credit information and digital credit card services, Google is seeking to create a more comprehensive financial experience within a single application. For Indian users, the combination of Gemini and Google Pay signals Google’s intention to play a larger role not only in how people make payments, but also in how they monitor spending, understand credit and manage their personal finances.