The GST/HST Credit returns in July 2025, offering essential financial relief to low- and modest-income Canadians. This non-taxable, income-tested benefit is paid quarterly by the CRA, and this year’s update includes a new maximum payment of $349 for individuals. Let’s dive into eligibility, payment amounts, schedule, and why you should prepare now to claim your share.
GST/HST Credit Payment Schedule – 2025
You’ll receive four quarterly payments based on your previous year’s income tax return. Here’s what to expect in 2025:
| Quarter | Payment Date (2025) |
|---|---|
| Q1 | January 3 |
| Q2 | April 4 |
| Q3 | July 4 |
| Q4 | October 3 |
The July 4 payment marks the start of the 2025–2026 benefit cycle—so ensure your 2024 tax return is filed on time.
2025 GST/HST Credit Amounts
Payment amounts depend on your marital status, number of children, and net family income—all based on your 2024 tax return.
| Recipient Type | Max Annual Credit | Per Quarter |
|---|---|---|
| Single adult | $349 | $87.25 |
| Couple (married or co-habiting) | $698 | $174.50 |
| Each child under 19 | $184 | $46 |
Example: A couple with two children could receive up to $1,066 annual credit, or $266.50 per quarter.
Am I Eligible?
To get the GST/HST Credit, you must meet these criteria:
- Be a Canadian resident for tax purposes at the end of the month prior.
- Be at least 19, or under 19 with a spouse/common-law partner or parent status.
- Have net family income below the threshold:
- For singles: under approx. $45,500
- For couples with children: phase-out thresholds apply beyond $69,000
- Have filed your 2024 income tax return electronically.
Filing your tax return automatically enrolls you—you don’t need to apply separately.
Why July 2025 Matters
- New maximums take effect: $349 for singles, $698 for couples, and $184 per child.
- Your July payment is based on 2024 tax data—so early filing ensures maximum credit.
- If you missed previous cycles, this is a fresh opportunity to receive the July and October payments.
Provincial & Territorial Add-Ons
Some provinces and territories bundle additional credits with the GST/HST payment:
- Ontario Trillium Benefit (up to $360/adult + $360/child/year)
- BC Climate Action Credit (up to $504 single, $252 spouse, $126/child)
- NB HST Credit (up to $300/adult + $100/child)
- NL Income Supplement & Seniors’ Benefit, NS Affordable Living Credit, and others
These payouts are combined in the same deposit, so you’ll receive a larger amount if you’re eligible.
Quick Reference
| Feature | Details |
|---|---|
| Payment Dates | Jan 3, Apr 4, July 4, Oct 3 2025 |
| Single adult max | $349 annually ($87.25 per quarter) |
| Married couple max | $698 annually ($174.50 per quarter) |
| Per child credit | $184 annually ($46 per quarter) |
| Eligibility | Canadian resident; 19+ (or younger with dependents); net family income below thresholds; filed 2024 taxes |
| Provincial supplements | Included automatically (Ontario, BC, NS, NB, NL, etc.) |
| Tax status | Non-taxable, no repayment required |
How to Maximize Your July 2025 Credit
- File your 2024 tax return as soon as possible—preferably online.
- Check your CRA My Account to verify personal details, address, and SIN information.
- Report any life changes—marriage, divorce, births, address changes—to update eligibility.
- Look out for the July 4 payment, typically direct deposited within business days after.
The $179 GST/HST Credit (or up to $349 for singles) starts rolling out in July 2025—significantly easing the financial burden for low-to-moderate income Canadians. With streamlined eligibility, tax-free full refunds, and added provincial benefits, this credit offers meaningful support.
To ensure you get your full payment:
- File your 2024 return early and accurately
- Verify your CRA profile and life updates
- Be ready to receive your July 4 deposit
Plan ahead to make the most of this valuable benefit—your next check could help cover groceries, utilities, or daily expenses.
FAQs
What if I file my 2024 tax return late?
If you miss the April deadline, you may miss the July payment. Late filers are assessed afterward and will receive October and potentially January payments, based on processing date.
Is the GST/HST Credit taxable income?
No—it’s fully non-taxable, and you don’t need to declare it.
Will I automatically get provincial supplements?
Yes—as long as you qualify for the federal credit, any applicable provincial or territorial top-ups are included in the same CRA deposit.