The Canada Revenue Agency (CRA) has confirmed that millions of Canadians will continue receiving the GST/HST Credit in 2025, with annual payments of up to $680 for individuals. This tax-free benefit is designed to help offset some of the costs of the Goods and Services Tax (GST) and Harmonized Sales Tax (HST) applied to everyday purchases.
For households struggling with high grocery bills, energy costs, and inflation, the credit offers steady quarterly relief. Understanding how much you may receive, when payments are scheduled, and whether you qualify is essential for financial planning in the year ahead.
What Is the GST/HST Credit?
The GST/HST Credit is a federal income-tested program that provides direct cash payments to eligible Canadians. Unlike a tax deduction, it is not tied to owing taxes — meaning individuals and families can receive the benefit even if they have little or no taxable income.
यह भी पढ़े:
Canada $1,800 OAS Payment September 2025 – Who Qualifies, Dates, and How to Maximize Benefits
Payments are sent automatically by the CRA once eligibility is determined through filed income tax returns. The program is aimed at low- and modest-income households, ensuring that essential purchases such as food, clothing, and transportation remain more affordable despite the impact of sales taxes.
Who Is Eligible for the $680 GST/HST Credit in 2025?
Eligibility is determined by your 2024 tax return, and the CRA calculates benefits automatically. To qualify, you must meet the following conditions:
- Residency: You must be a resident of Canada for income tax purposes at the start of the payment month.
- Age Requirement: You must be at least 19 years old. Exceptions apply if you are married, living common-law, or a parent.
- Income Threshold: Eligibility depends on family net income. The lower the income, the higher the credit. If income is above the set threshold, the benefit gradually phases out.
- Family Status: Married or common-law couples file jointly. Parents may receive additional amounts for each child under 19.
Because eligibility is tied to your annual tax return, filing taxes on time is crucial to ensure you do not miss out on payments.
यह भी पढ़े:
CRA Confirms $234 Grocery Rebate September 2025 – Eligibility, Dates, and Full Payment Details
Payment Amounts in 2025
The maximum GST/HST Credit amounts for the benefit year starting July 2025 through June 2026 are:
- \$680 for single individuals
- \$894 for couples (combined)
- \$234 per child under 19
The amount you actually receive will depend on your income. For example:
- A single person with very low income may qualify for the full $680.
- A couple with two children could receive up to $1,362 annually ($894 + $234 + $234).
- As income increases, the amount gradually reduces until it reaches zero at higher income levels.
CRA Payment Dates for 2025
The GST/HST Credit is issued quarterly, helping households spread out the relief across the year. The confirmed 2025–2026 payment schedule is:
- July 4, 2025
- October 3, 2025
- January 3, 2026
- April 3, 2026
Those enrolled in direct deposit will see funds appear in their bank accounts on these dates. Paper cheques may take longer to arrive, depending on postal service timelines.
Why the GST/HST Credit Matters in 2025
With inflation continuing to impact the cost of living, even modest quarterly payments can make a difference for struggling households. The credit helps cover the hidden burden of sales taxes on essentials like groceries, basic household goods, and personal care items.
For many Canadians:
- It acts as a supplement to other federal programs, such as the Canada Child Benefit (CCB) or Canada Workers Benefit (CWB).
- It provides predictable, tax-free income, which can help with budgeting.
- It ensures that low-income households are not disproportionately impacted by consumption taxes.
While the payments may not cover all living expenses, they play an important role in reducing financial stress.
How to Make Sure You Receive the Credit
One of the advantages of the GST/HST Credit is that there is no separate application process. The CRA automatically determines eligibility based on your annual tax return.
To avoid missing payments:
- File your 2024 tax return by the April 2025 deadline.
- Ensure your banking information is updated with CRA for direct deposit.
- Keep your family information current, especially if you marry, separate, or have children.
5 FAQs
Q1: How much is the GST/HST Credit in 2025?
The maximum is $680 for individuals, $894 for couples, and $234 per child under 19.
Q2: Do I need to apply for the GST/HST Credit?
No. The CRA automatically calculates eligibility when you file your 2024 tax return.
Q3: Who is eligible for the credit in 2025?
Eligibility depends on residency, age, family situation, and household income reported in your 2024 return.
Q4: When will payments be made in 2025?
Quarterly on July 4, 2025, October 3, 2025, January 3, 2026, and April 3, 2026.
Q5: How is the payment delivered?
Through direct deposit (fastest method) or paper cheque if you are not registered for direct deposit.
