In Canada, paying taxes on goods and services is part of everyday life. Whether it’s groceries, transportation, or personal care, consumers are routinely charged GST (Goods and Services Tax) or HST (Harmonized Sales Tax). To help ease this burden for low- and moderate-income households, the federal government offers a GST/HST Credit—a quarterly, tax-free payment that puts money back in your pocket.
The best part? You don’t have to apply separately. Once you file your tax return, the Canada Revenue Agency (CRA) automatically determines if you qualify.
What Is the GST/HST Credit?
The GST/HST Credit is a quarterly payment designed to offset the impact of sales tax on lower-income individuals and families. It’s fully non-taxable and deposited directly into your bank account if you qualify. The amount you receive depends on your net income and family size.
Whether you’re a single adult, a senior on pension, or a parent with dependents, this credit offers much-needed support to help with everyday expenses.
Eligibility Criteria: Who Can Receive the Credit?
To be eligible for the GST/HST Credit, you must meet the following conditions:
- Be at least 19 years old
- Have been a resident of Canada for income tax purposes
- File your T1 General income tax return—even if you have no income
- Be a spouse or common-law partner, or parent living with your child
If you’re a new resident of Canada, you must submit additional forms like RC66 (if you have children) or RC151 (if you don’t) to be assessed for the credit.
For shared custody of a child, each parent may be entitled to half of the child’s portion of the credit.
How Much Can You Receive?
The CRA updates payment amounts annually based on inflation. For the 2024–2025 payment period, the maximum credit amounts are as follows:
| Family Type | Maximum Annual Credit |
|---|---|
| Single individual | Up to $519 |
| Married or common-law couple | Up to $680 |
| Each child under 19 | $179 per child |
So, a couple with two children could receive up to $1,218 annually. Some families may receive over $2,000 if they also qualify for provincial supplements and other benefits.
Payment Schedule: Key Dates for 2025
GST/HST Credit payments are made every quarter, typically on the first Friday of the following months:
| Quarter | Payment Date (2025) |
|---|---|
| Q1 | January 3, 2025 |
| Q2 | April 4, 2025 |
| Q3 | July 4, 2025 |
| Q4 | October 3, 2025 |
To qualify for these payments, make sure your 2024 tax return is filed on time. Late filing could result in delays or missed payments.
How to Automatically Receive Your Payment
There’s no need for separate applications. Follow these steps to ensure you receive the credit:
- File your tax return every year, even if your income is zero.
- Keep your personal information up to date (marital status, number of children, address).
- Set up direct deposit through your CRA account to receive funds directly.
- New residents should submit RC66 or RC151 as required.
Once assessed, the CRA calculates your eligibility and automatically issues payments.
Who Benefits the Most?
The GST/HST Credit is especially beneficial for:
- Single parents managing costs on one income
- Low-income families with children
- Seniors on fixed pensions
- Students juggling part-time work and education costs
This quarterly support can help with groceries, rent, utilities, or transportation, easing financial pressure throughout the year.
How to Maximize Your Benefit
To make the most of the credit:
- File early each year to receive the first payment in July
- Double-check that all banking and contact info is current
- Report any changes in family status promptly to avoid overpayments
- Use CRA’s My Account portal to track your payment history and next payment date
The GST/HST Credit is a powerful tool for tax relief—especially for those navigating rising living costs. Without requiring extra paperwork or applications, this automatic quarterly benefit delivers up to $2,000+ per year to eligible Canadians.
It’s tax-free, consistent, and designed to make everyday life more affordable. All it takes is a simple, on-time tax return. So if you haven’t already, get your filing done and your CRA info updated—because the next GST/HST Credit payment might already be on its way.
FAQs
Do I need to apply for the GST/HST Credit every year?
No. As long as you file your tax return, the CRA automatically assesses your eligibility each year.
Can I get the GST/HST Credit if I have no income?
Yes. Filing a return is necessary even with zero income. Eligibility is based on your family situation and residency status.
How will I know if I’m getting the payment?
You’ll receive a notice from CRA outlining the amount and payment dates. You can also check online through your CRA account.