Google Pay has launched "Ask Google Pay," a Gemini-powered conversational AI tool designed to help users analyze spending and manage finances, alongside the new Google Pay Flex SBI Card. The tool provides personalized financial insights in 10 Indian languages and expands access to credit via the RuPay network. By opting in, users can query their transaction history to decode spending patterns, receive tailored savings tips, and understand concepts like SIPs or compounding interest. The Google Pay Flex SBI Card, created through a partnership with SBI Card and utilizing the RuPay network, enables UPI-linked credit transactions, allowing users to manage their entire credit lifecycle within a single interface. Features include Instant Star rewards where 1 Star equals ₹1 for immediate redemption, flexible EMI options, and a 50% discount on Google AI Plus plans. The integration of RuPay and VISA networks ensures universal acceptance of the Flex card. This dual approach targets both tech-savvy urban users and first-time credit users in India, positioning Google as a comprehensive financial hub that combines AI-driven insights with expanded credit access.