The GST/HST Credit is a vital financial support program offered by the Canada Revenue Agency (CRA) to help lower- and modest-income Canadians manage the burden of sales taxes. In 2025, eligible recipients will not only receive their regular quarterly payments, but they’ll also benefit from an extra 2.7% increase starting in July an inflation adjustment aimed at easing cost-of-living pressures.
In this guide, we’ll break down GST/HST payment dates for 2025, eligibility requirements, how to check your status, and what this year’s mid-year increase means for your household budget.
What Is the GST/HST Credit?
The Goods and Services Tax (GST) and Harmonized Sales Tax (HST) Credit is a tax-free quarterly benefit paid to eligible individuals and families to help offset the GST or HST they pay on everyday goods and services.
This credit is designed to improve affordability for lower-income Canadians by reimbursing a portion of the consumption taxes paid on essentials like food, transportation, and household items.
2025 GST/HST Credit Overview
| Aspect | Details |
|---|---|
| Program Name | GST/HST Credit |
| Payment Dates | January 3, April 4, July 4, October 3 |
| Extra Payment Increase | 2.7% starting July 2025 |
| Eligibility | Based on age, residency, and income |
| Application | Automatically assessed when you file your tax return |
| Maximum Amounts (2024–2025) | $519 for individuals, $680 per couple, $179 per child under 19 |
GST/HST Credit Payment Dates for 2025
If you’re eligible, you can expect your GST/HST credit to be paid quarterly on the following dates in 2025:
- January 3, 2025
- April 4, 2025
- July 4, 2025 (includes the 2.7% inflation increase)
- October 3, 2025
If you’ve signed up for direct deposit, your payment will go straight into your bank account. Otherwise, the CRA will mail a cheque to your registered address.
Who Qualifies for the GST/HST Credit in 2025?
To receive the GST/HST credit, you must meet the following criteria:
- Be a resident of Canada for income tax purposes
- Be 19 years or older, or:
- Have (or had) a spouse or common-law partner, or
- Be (or have been) a parent who lives with your child
- Have a net family income below the CRA’s annual threshold, which is adjusted for inflation
For 2025, the income cut-off for a single person is approximately $41,000. The threshold increases for couples and families with children.
How Much Will You Receive in 2025?
The amount you receive depends on your marital status, number of children, and net family income.
Maximum Annual GST/HST Credit Amounts (July 2024 – June 2025):
- $519 – for single individuals
- $680 – for married or common-law couples (combined)
- $179 – for each child under 19
These totals are divided into four equal payments. For example, a single person receiving the full $519 would get $129.75 per quarter.
How the 2.7% Mid-Year Increase Affects You
Starting in July 2025, GST/HST credit payments will increase by 2.7% to reflect inflation.
Here’s what that means in real terms:
- A single individual will receive about $133.75 per quarter (up from $129.75)
- Couples and families will see similar proportional increases
- The overall benefit year total will rise slightly, offering more support during a time of higher living costs
Do You Need to Apply?
No separate application is required. The CRA automatically determines your eligibility when you file your annual income tax return.
However, if you’re:
- A new resident of Canada, you must complete Form RC151 and send it to the CRA
- Turning 19 this year, be sure to file your tax return to begin receiving the credit starting in July
How to Check Your GST/HST Credit Status
Want to track your payments or see how much you’ll get? Use the CRA My Account portal:
- Log in at cra.gc.ca
- Click on “Benefits & Credits”
- View your payment schedule, eligibility, and past deposits
Common Reasons for Missing Payments
If you didn’t receive your GST/HST credit on time, it could be due to:
- Unfiled tax return – Your eligibility can’t be assessed until you file
- Change in marital status – Update your info with CRA to avoid miscalculations
- Banking or address change – Ensure your details are current to receive direct deposits or mailed cheques
- CRA processing delays – Sometimes additional verifications are required
FAQs
1. Can I get the GST/HST credit if I have no income?
Yes. You can qualify for the credit even with zero income, as long as you file a tax return.
2. What happens if I miss a payment?
Check your CRA My Account or call the CRA. Missed payments are often reissued once issues are resolved.
3. Will the GST/HST credit increase again in 2025?
Yes, the CRA has confirmed a 2.7% increase in July 2025 as part of the annual inflation adjustment.
4. Is the GST/HST credit taxable?
No, it is completely tax-free. You don’t need to include it as income on your return.
Final Thoughts
The GST/HST credit plays a crucial role in supporting Canadians with everyday costs. Whether you’re living on a fixed income or just starting out, these quarterly payments can offer valuable relief. To ensure you receive your full entitlement, file your tax return early, keep your CRA details updated, and track your benefits through CRA My Account.
By staying informed and proactive, you can make the most of what the GST/HST credit has to offer in 2025.
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