Adrian
With rising living costs, Canadians are looking for every possible avenue to stretch their dollars. One such relief comes through automatic GST/HST Credit payments offered by the Canada Revenue Agency (CRA).
These tax-free quarterly payments can total more than $2,000 annually, providing essential support to low- and moderate-income households.
What is the GST/HST Credit?
The Goods and Services Tax/Harmonized Sales Tax (GST/HST) Credit is a tax-free benefit issued every three months to help individuals and families offset the GST or HST paid on goods and services.
Unlike other benefits, you don’t need to apply separately—simply filing your T1 General income tax return triggers CRA’s eligibility check.
Eligibility Criteria for GST/HST Credit
To receive the GST/HST Credit, you must meet the following conditions:
- Be 19 years or older
- Have (or had) a spouse or common-law partner
- Be a parent living with your child
- Be a Canadian resident for tax purposes in the qualifying month
Even if you have no income, filing your tax return ensures you are assessed.
Shared Custody: Parents with shared custody can receive half of the child’s benefit each.
Additional Steps for New Residents
If you’re a new Canadian resident, your tax return alone is not enough. You must complete the following forms:
| Form | Requirement | Purpose |
|---|---|---|
| RC66 | For parents with children | Also checks Canada Child Benefit eligibility |
| RC151 | For individuals without children | For GST/HST Credit eligibility only |
Submit the relevant form to your nearest CRA Tax Centre.
How Much Can You Receive in 2025?
The credit amount depends on your family size and net income. Below is the estimate for the July 2024–June 2025 period:
| Family Type | Maximum Annual Credit |
|---|---|
| Single Individual | Up to $519 |
| Married/Common-Law Couple | Up to $680 |
| Each Child (Under 19) | $179 per child |
For example, a couple with two children could receive up to $1,218 annually, and some families could qualify for over $2,000, depending on their financial situation.
Quarterly Payment Schedule for 2025
The CRA issues these credits on a quarterly basis:
| Quarter | Payment Date |
|---|---|
| Q1 | April 4, 2025 |
| Q2 | July 4, 2025 |
| Q3 | October 3, 2025 |
| Q4 | January 2026 (first Friday) |
Tip: Payments are based on your 2024 tax return, so make sure you file it on time to avoid delays.
Automatic Process: No Applications Required
One of the most convenient features of the GST/HST Credit is that no separate application is necessary. If you qualify based on your filed return, the CRA will:
- Automatically calculate your eligibility
- Deposit funds directly to your bank account
- Send a notice of determination via mail or online through CRA’s My Account
Who Benefits the Most?
The GST/HST Credit is targeted at:
- Single parents
- Students and young professionals
- Seniors on fixed pensions
- Low-income workers and households
It acts as a vital buffer against indirect taxes, helping Canadians manage daily essentials like groceries, rent, and utilities.
Steps to Maximize Your GST/HST Credit
To ensure you get your full entitlement:
- File your tax return annually, even if your income is zero.
- Update banking and contact info via CRA’s My Account portal.
- New residents must file the RC66 or RC151 forms.
- Track payment notices in your CRA account regularly.
By following these steps, you safeguard your eligibility and avoid any missed payments.
The GST/HST Credit offers a smart and effortless way for Canadians to reclaim a portion of their taxes. It is:
- Tax-free
- Automatically processed
- Paid quarterly
- Tailored to low- and middle-income families
If you qualify and maintain accurate records, you could receive more than $2,000 per year—a meaningful boost to your household budget without extra work.
FAQs
Do I need to reapply for the GST/HST Credit every year?
No. As long as you file your tax return yearly, the CRA will automatically reassess your eligibility.
Can I get the GST/HST Credit if I have no income?
Yes. Even individuals with no income should file a return to qualify for the credit.
What if my marital status or number of children changes mid-year?
Update your CRA My Account immediately. It may affect your payment amount or eligibility.