The federal government is set to issue the next quarterly GST/HST Canada Credit July 2025 payment on Friday, July 4, 2025, providing a much-needed financial relief for millions of low- and modest-income Canadians. With the new benefit year starting this July, the Canada Revenue Agency (CRA) has also increased maximum payment amounts due to annual indexation.
Here’s everything you need to know about the upcoming $698 GST/HST credit, including who qualifies, how much you could receive, and how to ensure you don’t miss out.
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What is the GST/HST Credit?
The Goods and Services Tax / Harmonized Sales Tax (GST/HST) credit is a non-taxable quarterly payment issued to eligible Canadians. It’s designed to help individuals and families offset the cost of GST or HST on goods and services. Administered by the CRA, the credit is automatically calculated based on your tax return.
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When is the Next GST/HST Canada Credit Payment?
The next GST/HST credit will be issued on:
- Friday, July 4, 2025
This date marks the start of the 2025–2026 benefit year, with future quarterly payments to follow in October 2025, January 2026, and April 2026.
If you’re signed up for direct deposit, the money will be automatically deposited into your bank account. Otherwise, you’ll receive a cheque by mail shortly after the issue date.
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New GST/HST Credit Amounts for 2025–2026
Thanks to annual indexation, the federal government has increased the maximum GST/HST credit amounts for this benefit year:
- Up to $698 for married or common-law couples
- Up to $533 for single individuals
- $184 per child under the age of 19
This means a couple with two children could receive up to $1,066 annually, paid in four quarterly instalments—$266.50 every three months.
Note: These are maximum amounts. The actual payment you receive depends on your adjusted family net income for the 2024 tax year.
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Who Qualifies for the July 2025 GST/HST Canada Credit?
To be eligible for the GST/HST Canada Credit July 2025, you must:
- Be a Canadian resident for income tax purposes
- Be at least 19 years old, or:
- Have (or had) a spouse/common-law partner, or
- Be a parent living with your child
- File your 2024 income tax return, even if you earned no income
There’s no need to apply separately—the CRA automatically assesses your eligibility based on your 2024 tax return.
How the Credit is Calculated
Your GST/HST credit amount is calculated based on:
- Your 2024 adjusted family net income (AFNI)
- Your marital status
- The number of children under 19 in your household
Here’s how the CRA typically calculates it:
- Base amounts:
- $349 for an individual
- $349 for a spouse or common-law partner
- $184 for each eligible child
As your income increases, your credit begins to phase out. Generally, for individuals or families with incomes over $45,000–$50,000, the credit is reduced by 5% of the amount exceeding the threshold.
Provincial and Territorial Components
Some provinces and territories combine their own credits with the federal GST/HST payment. These may include:
- Ontario Trillium Benefit
- Nova Scotia Affordable Living Tax Credit
- Newfoundland and Labrador Income Supplement
- Northwest Territories Cost of Living Offset
These additional amounts will appear in the same deposit as your federal GST/HST credit if you qualify.
What You Should Do Right Now
- Ensure your 2024 tax return has been filed. This is the only way to be considered for the GST/HST credit.
- Update your personal details with the CRA—such as address, marital status, and banking information.
- Sign up for direct deposit to avoid mail delays and receive payments faster.
- Check your CRA My Account to view payment details, benefit notices, and statements.
Summary: GST/HST Canada Credit July 2025
| Feature | Details |
|---|---|
| Payment Date | July 4, 2025 |
| Annual Credit (Couples) | Up to $698 |
| Annual Credit (Singles) | Up to $533 |
| Child Benefit | $184 per child under 19 |
| Frequency | Quarterly (July, Oct, Jan, Apr) |
| Eligibility | Based on 2024 income tax return |
| Application Needed? | No — automatic when taxes are filed |
Final Thoughts
The new $698 GST/HST Canada Credit July 2025 payment brings much-needed relief at a time when the cost of living continues to rise. Whether you’re single, raising a family, or living on a modest income, this tax-free credit can help you cover essential everyday expenses.
To ensure you don’t miss out, file your taxes, keep your CRA account updated, and watch your bank account on July 4. This small but significant credit can go a long way in helping millions of Canadians make ends meet this summer.