Taxes in Canada can feel heavy for many families, especially for those earning a low income. To help ease this burden, the Canada Revenue Agency (CRA) provides the GST/HST Credit. This benefit is designed to return some of the money Canadians spend on Goods and Services Tax (GST) or Harmonized Sales Tax (HST).
For 2025, eligible Canadians can receive up to $496 a year, paid in four equal installments. The next big date to remember is October 3, 2025, when the final payment of the year will be deposited. This payment provides important relief to households struggling with daily expenses such as groceries, bills, and transportation.
What Is the GST/HST Credit?
The GST/HST Credit is a non-taxable payment meant to help low-income Canadians handle the extra cost of sales tax on everyday items.
- Annual amount: Up to $496 for individuals without dependents.
- Families and married/common-law couples can receive higher amounts.
- Payments are sent four times a year in January, April, July, and October.
- No need to apply separately – CRA decides eligibility through your tax return.
CRA GST/HST Credit 2025 Overview
Here’s a quick breakdown of the program details:
| Program | GST/HST Credit |
|---|---|
| Department | Canada Revenue Agency (CRA) |
| Annual Amount | $496 (single, no children) |
| Payment Frequency | 4 times a year |
| October Payment Date | October 3, 2025 |
| Eligibility | Low-income Canadian residents |
| Official Website | canada.ca |
Eligibility Rules for the $496 Credit
Not everyone automatically qualifies for the GST/HST Credit. To be eligible in October 2025, you must:
- Be a Canadian resident for tax purposes.
- Be 19 years or older. If under 19, you may still qualify if you have a spouse, common-law partner, or a child living with you.
- File your 2024 income tax return, even if you had no income.
- Meet the adjusted family net income limit set by the CRA.
- Keep your personal details such as marital status, address, and dependents up to date.
Why the $496 Credit Matters
The $496 credit may not sound huge, but it’s an important lifeline for many families. It helps with:
- Groceries
- Household bills
- Transportation costs
- Basic living expenses
For low-income households, every installment makes a real difference. It provides peace of mind and helps cover essentials without extra financial stress.
GST/HST Credit Payment Dates 2025
Here is the official payment schedule for 2025:
| Installment | Payment Date |
|---|---|
| First | January 3, 2025 |
| Second | April 4, 2025 |
| Third | July 4, 2025 |
| Fourth | October 3, 2025 |
Note: If a date falls on a holiday or weekend, the CRA pays on the previous business day.
Credit Amounts by Household Type
| Household Type | Maximum Annual Credit 2025 |
|---|---|
| Single, No Children | $496 |
| Married/Common-Law | More than $496, depending on family income |
| With Children Under 19 | Extra amount added per child |
October 2025 Payment Update
The October 2025 GST/HST Credit is confirmed and will be deposited on October 3, 2025. This installment is part of the yearly cycle that runs from July 2025 to June 2026, and it will be calculated using information from your 2024 tax return.
If your family situation changes – for example, marriage, divorce, or having a child – you must report it to CRA. Such updates can increase or reduce your credit amount.
The $496 GST/HST Credit October 2025 is more than just a tax rebate – it is real financial support for families that need it the most.
Filing your taxes on time, keeping your details updated, and understanding CRA’s payment schedule ensures you never miss a payment. For many Canadians, this credit is a small but steady way to reduce financial stress and manage the rising cost of living.
FAQs
Do I need to apply for the GST/HST Credit?
No. If you file your taxes, the CRA checks your eligibility automatically.
What if I don’t file my 2024 tax return?
You will not receive the payment. Filing taxes is the only way to qualify.
Can married couples or parents get more than $496?
Yes. Families with children or partners usually get a higher credit based on income and dependents.