John Hughie
Thousands of Canadians are entitled to receive more than $2,000 per year through quarterly GST/HST credit payments—yet many don’t even know it.
The Goods and Services Tax (GST) / Harmonized Sales Tax (HST) Credit is a tax-free payment issued every three months to help low- and modest-income households offset the costs of these federal taxes.
Whether you’re living alone, part of a family, or raising children, you could be getting a big break just by filing your taxes correctly. Let’s break down who qualifies, how much you can get, when you’ll receive it, and how to ensure you don’t miss a single payment.
What Is the GST/HST Credit?
The GST/HST Credit is designed to reduce the financial burden of sales taxes for individuals and families who need it most. It is calculated annually based on your previous year’s tax return, but paid in four equal installments throughout the year.
You don’t need to apply separately—just file your tax return, and if you’re eligible, the credit is calculated automatically.
Quarterly Payment Dates in 2025
Eligible recipients will receive their payments four times in 2025. Here’s the expected schedule:
| Quarter | Payment Date |
|---|---|
| Q1 | January 3, 2025 |
| Q2 | April 4, 2025 |
| Q3 | July 4, 2025 |
| Q4 | October 3, 2025 |
If your total credit amount is less than $50 per quarter, you may receive a lump sum instead.
How Much Can You Receive?
The amount you receive depends on your family’s net income, marital status, and the number of eligible children under 19. Below is a breakdown of the current annual maximum amounts for the benefit period starting July 2025 to June 2026:
| Household Type | Maximum Annual Amount |
|---|---|
| Single Individual | $533 |
| Married/Common-law Couple | $698 |
| Per Child (under 19) | $184 |
For instance, a couple with two children can receive up to $1,202 per year, or about $300 per quarter. If you’re also eligible for the GST/HST Credit Supplement based on provincial programs, you could receive more than $2,000 annually.
Eligibility Requirements
To be eligible for the GST/HST Credit, you must meet all of the following conditions:
- Be a Canadian resident for income tax purposes.
- Be 19 years or older, or:
- Have a spouse or common-law partner, or
- Be a parent living with your child.
- File your income tax return, even if you have no income.
Additionally, your household income must fall below the income thresholds determined annually. If your adjusted family net income exceeds the set limits, you may receive a reduced amount or nothing at all.
Automatic Enrollment and What You Need to Do
If you meet the eligibility criteria, you’re automatically considered for the credit when you file your tax return. There is no separate application required for most Canadians.
However, newcomers to Canada or those who haven’t filed before may need to submit specific forms and identification documents to begin receiving payments.
Life Changes That Affect Your Credit
The CRA recalculates your eligibility and payment amount every July. Certain life changes may impact your credit, such as:
- Change in marital status
- Birth or adoption of a child
- A child turning 19
- Income fluctuations
- A death in the household
It’s essential to keep your information updated with the CRA to avoid incorrect or delayed payments.
Receiving Your Payment
You can choose to receive your payments via:
- Direct deposit to your bank account
- Mailed cheque
For the fastest access, direct deposit is recommended. Make sure your banking information is up to date to avoid delays.
What If You Miss a Payment?
If you believe you’re eligible but haven’t received your GST/HST Credit, follow these steps:
- Wait at least 10 business days after the scheduled payment date.
- Log into your CRA My Account to check your payment status.
- Contact the CRA directly to report the missing payment.
It’s also a good idea to double-check that your tax return was filed and assessed properly.
Maximize Your Tax Relief – Pro Tips
- Always file your tax return—even with zero income.
- Update personal information quickly with CRA (marital status, child status).
- Use direct deposit for faster and secure payments.
- Track your payments through CRA My Account or your banking app.
The GST/HST Credit is more than just a refund—it’s a vital support system for households facing economic pressure. With up to $2,000+ available annually, claiming your quarterly tax relief is simple, automatic, and essential.
Filing your tax return on time, keeping your information current, and monitoring your payments ensures you never miss a beat—or a dollar.
FAQs
Do I need to apply for the GST/HST Credit separately?
No. If you’re eligible, you’ll be assessed automatically when you file your annual tax return.
How often are the payments made?
Payments are made four times a year—January, April, July, and October.
Can I still get the credit if I have no income?
Yes. As long as you meet the eligibility criteria and file your tax return, you can receive the credit even with no income.
