University students are increasingly using generative artificial intelligence (AI) tools in creative tasks. Drawing from the literature on AI-human interaction and team creativity, the present study developed a moderated mediating model regarding the effects of generative AI on team creativity. To validate the developed model, a questionnaire survey was conducted among 308 students from 66 collaborative groups, and the collected questionnaire data were analyzed through partial least squares structural equation modeling (PLS-SEM). The results of this study indicate that the perceived intelligence of generative AI can indirectly promote team creativity through collective efficacy and suppress team creativity through task conflict. Furthermore, team trust strengthens the relationship between the perceived intelligence of generative AI and collective efficacy such that it also strengthens the indirect relationship between the perceived intelligence of generative AI and team creativity through collective efficacy. The results of this study have crucial theoretical implications as well as vital practical implications for designers of educational generative AI tools.