Millions of Canadians are set to receive the GST/HST Canada Credit July 2025 payment on Friday, July 4, 2025. With inflation and food prices still impacting household budgets, this quarterly tax-free benefit will provide timely relief to eligible low- and modest-income individuals and families across the country.
Here’s everything you need to know about the GST/HST credit for July 2025—including payment amounts, eligibility criteria, and how to ensure you don’t miss it.
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What is the GST/HST Canada Credit?
The Goods and Services Tax/Harmonized Sales Tax (GST/HST) credit is a non-taxable quarterly payment issued by the Canada Revenue Agency (CRA). Its purpose is to offset some of the taxes paid on purchases, making life more affordable for Canadians with low or modest incomes.
This credit is part of the federal government’s ongoing effort to support households dealing with rising living costs, especially as inflation continues to strain everyday budgets.
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GST/HST Canada Credit July 2025 Payment Date
The next GST/HST credit payment will be deposited or mailed on:
- Friday, July 4, 2025
This marks the first payment of the 2025–2026 benefit year, with the following three payments scheduled for October 2025, January 2026, and April 2026.
If you’re registered for direct deposit with the CRA, you’ll receive your payment in your bank account on the same day. If not, a cheque will be mailed and may take longer to arrive.
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How Much is the GST/HST Canada Credit in 2025?
The maximum GST/HST credit amounts have been updated for the 2025–2026 benefit year, based on income indexing and inflation adjustments:
- Up to $698 for eligible married or common-law couples
- Up to $533 for eligible single individuals
- $184 per eligible child under 19
For example, a family of four (two adults and two children) may receive up to $1,066 annually, or about $266.50 per quarter.
Keep in mind, these are maximum amounts. The actual credit you receive depends on your 2024 income, marital status, and number of children under your care.
Eligibility for the GST/HST Credit
You are eligible to receive the GST/HST Canada Credit July 2025 if you meet the following conditions:
- You are a Canadian resident for tax purposes.
- You are at least 19 years old, or:
- Have (or had) a spouse/common-law partner, or
- Are a parent who lives with your child
- You filed a 2024 income tax return, even if you earned no income.
The CRA automatically assesses your eligibility each year using your tax return—there is no separate application required.
How is the Credit Calculated?
The CRA calculates your GST/HST credit based on:
- Your adjusted family net income (AFNI) from the 2024 tax year
- Your marital status
- The number of eligible children under 19
Here’s a general breakdown of the calculation:
| Component | Amount |
|---|---|
| Base for an individual | $349 |
| Base for spouse/partner | $349 |
| Per eligible child | $184 |
Your credit will gradually reduce if your income exceeds a certain threshold—usually around $40,000–$55,000, depending on your family size.
Combined Payments With Provincial Credits
In some provinces and territories, the GST/HST credit is bundled with additional provincial or territorial payments, including:
- Ontario Trillium Benefit (OTB)
- BC Climate Action Tax Credit
- Nova Scotia Affordable Living Tax Credit
- Newfoundland and Labrador Income Supplement
If eligible, these extra credits will be included in the same payment as your GST/HST credit.
How to Check Your Payment
To track your July 2025 payment:
- Log into your CRA My Account online
- Use the MyBenefits CRA mobile app
- Call the CRA Benefit Enquiries line at 1-800-387-1193
You’ll see the status of your credit, payment amount, and any associated provincial benefits.
What You Should Do Now
- File your 2024 tax return immediately if you haven’t already. This is the only way to qualify for the July 2025 payment.
- Sign up for CRA direct deposit to receive your payment faster and avoid delays.
- Update your personal details (marital status, address, number of children) to ensure accurate benefit calculation.
Summary: GST/HST Canada Credit July 2025
| Feature | Details |
|---|---|
| Payment Date | July 4, 2025 |
| Maximum Credit (Couples) | Up to $698/year |
| Maximum Credit (Singles) | Up to $533/year |
| Child Credit | $184 per eligible child |
| Frequency | Quarterly (July, Oct, Jan, April) |
| Application Required? | No — automatic based on tax return |
Final Word
The GST/HST Canada Credit July 2025 offers a much-needed financial buffer for families and individuals navigating high costs of living. Whether you’re receiving the full amount or a partial payment, it’s a helpful support program that rewards filing your taxes on time and staying informed.
To make the most of it, double-check your CRA account, ensure your tax return is filed, and watch for the July 5 payment. Every dollar counts—especially when it’s tax-free.