The GST/HST credit is one of Canada’s most important financial support programs aimed at easing the burden of Goods and Services Tax (GST) and Harmonized Sales Tax (HST) for low- and modest-income Canadians. Administered by the Canada Revenue Agency (CRA), this tax-free quarterly benefit ensures households have extra support to cover day-to-day living expenses—especially in a climate of rising inflation and cost of living.
With GST/HST credit payments scheduled for July 10, 2025, and October 10, 2025, it’s crucial for eligible Canadians to understand the details surrounding this benefit, including who qualifies, how much they can expect, and how to ensure they receive their payment on time.
What Is the GST/HST Credit?
The GST/HST credit is a federal financial benefit provided to Canadians with low or modest income. It is designed to offset the sales taxes paid on goods and services throughout the year. Instead of receiving this benefit during tax refunds or filing season, Canadians get this credit in quarterly installments directly from the CRA.
GST/HST Credit Payment Dates for 2025
If you’re eligible, you’ll receive your payments four times a year. The CRA issues GST/HST credit payments on the 5th of July, October, January, and April or the closest business day when the 5th falls on a weekend or holiday.
However, for 2025, the actual confirmed dates for the remaining two quarterly payments are:
| Quarter | Payment Date |
|---|---|
| July 2025 Payment | July 10, 2025 |
| October 2025 Payment | October 10, 2025 |
Note: The January and April 2025 payments would have been issued earlier in the year on January 5 and April 4, respectively.
Who Is Eligible for the GST/HST Credit in 2025?
To qualify for the GST/HST credit, you must meet the following conditions:
- Age: You must be 19 years or older before the month the CRA issues a payment. If you’re under 19, you can still qualify if:
- You have (or had) a spouse or common-law partner.
- You are (or were) a parent and live (or lived) with your child.
- Residency: You must be a Canadian resident for income tax purposes in the month before and at the beginning of the month when the CRA issues the payment.
- Income Criteria: Eligibility is based on your net family income as reported in your latest income tax return.
- Tax Filing Requirement: Even if you didn’t earn income during the year, you must file an annual tax return to be considered for the GST/HST credit.
How Much Will You Get in 2025?
The amount of your GST/HST credit depends on your family net income and the number of children under 19 in your care.
Here’s a breakdown of the base amounts for July 2024 to June 2025 (as they usually adjust annually in July):
| Family Situation | Maximum Annual GST/HST Credit |
|---|---|
| Single individual | $496 |
| Married or common-law couple | $650 |
| Each child under the age of 19 | $171 |
So, a family of four (two adults, two children) could receive up to:
$650 (couple) + $171 x 2 (children) = $992 annually, or about $248 quarterly.
These amounts can be reduced as your family income increases, with benefits phasing out at higher income levels.
How to Apply for the GST/HST Credit
The good news is—there’s no separate application for the GST/HST credit. If you’re eligible, the CRA will automatically determine your entitlement based on your income tax return.
Steps:
- File your taxes each year, even if you have no income.
- If you have a new spouse, child, or change in income, report it to the CRA.
- Check CRA’s My Account portal to confirm benefit status.
How Will You Receive Your GST/HST Payment?
You will receive your GST/HST credit either by:
- Direct Deposit (fastest method, usually arrives on payment day)
- Cheque (may take a few days by mail)
To avoid delays, ensure your banking and address information are up-to-date with the CRA.
What If You Don’t Receive Your Payment?
If you don’t receive your GST/HST credit by the expected date:
- Wait at least 10 business days before contacting CRA.
- Confirm your tax return was filed and processed.
- Log into your CRA My Account to check for any issues.
- Call CRA at 1-800-959-1953 (GST/HST Credit Inquiries).
What Happens If You Miss Filing Your Tax Return?
If you don’t file your income tax return, you won’t be considered for the credit—even if you meet all other requirements.
For example:
- If you miss filing your 2024 tax return in April 2025, you may not receive your July or October 2025 payments.
Always file on time to avoid missing out on hundreds of dollars in support.
Income Thresholds for GST/HST Credit
The benefit is income-tested, meaning once your income exceeds certain limits, your credit reduces gradually.
Here’s an estimate of income limits above which benefits start phasing out:
| Family Type | Approximate Net Income Cutoff |
|---|---|
| Single, no children | $52,255 |
| Married couple, no children | $58,755 |
| Couple with 1 child | $63,255 |
| Couple with 2 children | $67,755 |
Figures are based on previous years and subject to change annually.
CRA’s Other Related Benefits
If you qualify for the GST/HST credit, you may also be eligible for:
- Canada Child Benefit (CCB)
- Climate Action Incentive Payment (CAIP)
- Provincial Sales Tax Credits (varies by province)
Conclusion
The GST/HST credit in 2025 continues to be a crucial source of financial relief for many Canadians. With upcoming payment dates on July 10 and October 10, now is the time to ensure your taxes are filed, banking info is up-to-date, and you’re set to receive your benefit without delays.
Staying informed and proactive can help you maximize your entitlement and receive the full support available through this federal program.
Frequently Asked Questions
1. What happens if I miss the GST/HST payment date?
If your payment is delayed, wait 10 business days and then contact the CRA. You may also check your CRA My Account for payment status.
2. Do I need to reapply for GST/HST credit every year?
No. As long as you file your tax return annually, CRA will automatically reassess your eligibility.
3. Can I receive GST/HST credit if I’m a student or have no income?
Yes. You may still qualify if you’re over 19 and file a tax return, even with no income.
4. Can newcomers to Canada receive GST/HST credits?
Yes. New residents can apply by completing Form RC151 and filing a tax return to determine eligibility.
5. How do I know how much GST/HST credit I’ll receive?
CRA will send a GST/HST Credit Notice after tax assessment, showing your payment breakdown and schedule.