The Canada GST/HST Credit is a non-taxable quarterly payment that helps low- and modest-income Canadians offset the Goods and Services Tax (GST) or Harmonized Sales Tax (HST) they pay.
For the 2025–2026 period, eligible individuals and families can receive up to $698. This article explains eligibility criteria, payment schedules, income thresholds, and how to apply for this credit in detail.
What Is the GST/HST Credit?
The GST/HST Credit is a refundable tax credit provided by the government to support Canadians with lower incomes.
The payment is issued quarterly and is calculated based on the previous year’s tax return.
This credit helps reduce the financial burden of GST or HST for individuals and families who need assistance the most.
Eligibility Criteria
To qualify for the GST/HST Credit for July 2025 to June 2026, you must meet the following conditions:
- Residency: Be a Canadian resident for income tax purposes at the end of the month before and at the beginning of the month in which the payment is made.
- Age: Be 19 years or older, or if under 19, either have a spouse/common-law partner or be a parent living with your child.
- Tax Return: File a 2024 tax return, even if no income was earned.
- Social Insurance Number (SIN): Have a valid SIN.
- Income Thresholds: Your adjusted family net income must be below the set limits. Higher income may reduce or eliminate eligibility.
Payment Amounts
The GST/HST Credit amounts for 2025–2026 are based on family size and income. The approximate payments are:
| Category | Annual Amount | Quarterly Payment |
|---|---|---|
| Single Individual | $533 | $133.25 |
| Married/Common-Law | $698 | $174.50 |
| Each Child Under 19 | $184 | $46.00 |
Note: Payments are calculated based on the 2024 tax year and may vary depending on your personal circumstances.
Payment Schedule
The CRA issues GST/HST Credit payments quarterly. For the 2025–2026 period, the payment dates are:
- July 4, 2025
- October 3, 2025
- January 5, 2026
- April 3, 2026
Payments are made via direct deposit or mailed cheque according to your preference.
How to Apply
To receive the GST/HST Credit:
- File Your Tax Return: Submit your 2024 tax return.
- Update Personal Information: Ensure your SIN, marital status, number of children, and banking details are current.
- New Residents: If you became a Canadian resident in 2024, complete the necessary application for new residents to receive the credit.
No separate application is needed for regular residents; eligibility is determined based on your tax return.
Income Thresholds
Eligibility for the GST/HST Credit depends on adjusted family net income. Income above the thresholds may reduce or cancel the credit.
Thresholds vary based on family size and province of residence, ensuring assistance is targeted to those who need it most.
The $698 GST/HST Credit for October 2025 provides essential financial relief for eligible Canadians, helping to offset GST or HST costs.
By filing your 2024 tax return, keeping personal information up to date, and understanding eligibility rules, you can ensure timely receipt of this credit.
Monitoring quarterly payment dates will help you plan and make the most of this support.
FAQs
Can I receive the GST/HST Credit without filing a tax return?
No. Filing a 2024 tax return is mandatory, even if no income was earned.
Does my marital status affect eligibility?
Yes. Couples may receive a higher credit than single individuals, and your marital status is considered in payment calculations.
How can I track my GST/HST Credit payment?
You can check your payment status through the CRA’s My Account portal or by contacting the CRA directly.