Karen Minn
Millions of Canadians will receive a boosted GST/HST credit payment on July 4, 2025, as the Canada Revenue Agency (CRA) rolls out the next round of this tax-free quarterly benefit.
Designed to help low- and moderate-income individuals and families offset the rising cost of living, the Goods and Services Tax (GST) and Harmonized Sales Tax (HST) credit has been increased for the 2025–2026 payment cycle.
This benefit is automatically calculated based on your 2024 tax return, but eligibility and payment amounts vary by income, family size, and marital status. Let’s explore how the program works, what’s changed in 2025, and how newcomers can claim their share.
What Is the GST/HST Credit?
The GST/HST credit is a non-taxable quarterly payment from the CRA. It helps eligible Canadians recover some of the GST or HST paid on goods and services. This credit:
- Does not need to be repaid
- Is not counted as income
- Is automatically issued to most people who file their tax return
With economic pressures like inflation, the CRA has boosted these payments for 2025–2026.
Who Is Eligible for the July 4, 2025 GST Payment?
To be eligible for the GST/HST credit, you must meet the following requirements:
Residency Requirements
- Be a Canadian resident for tax purposes
- Applies to citizens, permanent residents, temporary residents (such as international students or work permit holders), and refugees
Age Requirements
- Be 19 or older, or:
- Have a spouse/common-law partner
- Be a parent who lives with their child
Income Requirements (AFNI)
Your Adjusted Family Net Income (AFNI) determines your eligibility and payment amount.
Income Thresholds for 2025–2026
| Family Status | Maximum AFNI for Full Credit | Phase-Out Threshold |
|---|---|---|
| Single individual (no children) | $27,000 | $53,000 |
| Single parent (1 child) | $36,000 | $62,000 |
| Married/Common-law (no children) | $42,000 | $68,000 |
| Married/Common-law (1 child) | $48,000 | $74,000 |
If your income is above the threshold, your credit is gradually phased out.
Maximum Annual GST/HST Payments (2025–2026)
| Recipient Type | Maximum Annual Credit |
|---|---|
| Single individual | $533 |
| Married/Common-law couple | $698 |
| Per child under age 19 | $184 |
Example GST Payment Calculations
| Adjusted Family Net Income | Single (No Children) | Single (2 Children) | Married (2 Children) |
|---|---|---|---|
| $25,000 | $533 | $1,066 | $1,066 |
| $50,000 | $309.05 | $842.05 | $842.05 |
| $60,000 | $0 | $342.05 | $342.05 |
| $75,000 | $0 | $0 | $0 |
GST/HST Credit Payment Dates (2025–2026)
| Payment Date | Quarter |
|---|---|
| July 4, 2025 | Q1 – July–September |
| October 3, 2025 | Q2 – October–December |
| January 5, 2026 | Q3 – January–March |
| April 3, 2026 | Q4 – April–June |
If the 5th falls on a weekend, payment is made the preceding Friday. Payments typically arrive within 10 business days.
How to Apply for the GST Payment
For Canadian Residents
If you filed your 2024 tax return, you don’t need to apply separately. The CRA will:
- Review your return
- Determine eligibility
- Calculate your credit
- Automatically issue payments (via direct deposit or mail)
Update your CRA account with any changes in marital status, address, or number of children to avoid payment delays.
For Newcomers to Canada
Newcomers must apply manually in their first year of residency.
If You Don’t Have Children
- Complete Form RC151
- Submit it to your tax centre along with residency and income details
If You Have Children
- Complete Form RC66CH
- Include Form RC66SCH for status/income verification
- Submit online or by mail
Tips for Fast Processing
- Apply as early as possible
- Provide accurate information
- Enroll in direct deposit via CRA’s My Account
Other CRA Payments in July 2025
| Payment | Date | Description |
|---|---|---|
| GST/HST Credit | July 4, 2025 | Quarterly tax-free payment for low/moderate-income households |
| Advanced Canada Workers Benefit | July 11, 2025 | Support for low-income workers |
| Canada Child Benefit (CCB) | July 20, 2025 | Monthly support for families with children |
| Ontario Trillium Benefit | June 10, 2025 | Energy/property tax support for Ontario residents |
With the next GST/HST credit payment arriving on July 4, 2025, and the maximum annual amounts increased, this benefit remains a crucial tool for low- and moderate-income Canadians navigating rising costs.
If you’re eligible, ensure your tax return is filed and your CRA details are up to date. Newcomers should apply manually to avoid delays.
This non-taxable support helps millions of people stretch their budgets just a little further. Don’t miss out on your payment—check your eligibility today and make the most of your GST/HST benefit in 2025.
FAQs
How do I know if I qualify for the GST payment?
If you’re a resident of Canada with a 2024 income below the threshold and filed your taxes, you likely qualify.
Do I need to reapply for the GST/HST credit every year?
No. As long as you file your tax return each year, the CRA will reassess your eligibility automatically.
What should newcomers do to apply?
Complete Form RC151 or Form RC66CH (with RC66SCH) and submit it to the CRA with proof of residency and income.