TheCanada Revenue Agency (CRA) has confirmed thatGST/HST credit payments of up to $179 will be deposited or mailed out startingJuly 4, 2025. This is part of thequarterly tax-free benefit program designed to assist low- and modest-income Canadians in managing everyday expenses.
What Is the GST/HST Credit?
TheGST/HST credit is aquarterly tax-free payment provided by the CRA to eligible individuals and families. The credit is intended tooffset the cost of the goods and services tax (GST) orharmonized sales tax (HST) paid throughout the year.
This financial relief aims to ease the burden of basic living expenses such as groceries, transportation, and utility bills. Importantly,no separate application is required — eligibility isautomatically determined based on your annual income tax return.
July 2025 GST/HST Credit Breakdown
The CRA will issue payments to qualified recipients based on their2023 tax return. Themaximum amount for the July 2025 payment is$179, but this can vary depending on income, marital status, and family size.
| Particulars | Details |
|---|---|
| Credit Name | GST/HST Credit |
| Authority | Canada Revenue Agency (CRA) |
| July 2025 Payment | Up to$179 |
| Annual Total – Single | Up to$337 |
| Annual Total – Couple | Up to$704 |
| Per Eligible Child | Up to$185 |
| Next Payment Date | July 4, 2025 |
| Frequency | Quarterly (January, April, July, October) |
| Application | Not required – Based on 2023 tax return |
| Payment Mode | Direct deposit or cheque |
| Income Cutoff (Single) | Around$52,000 |
| Income Cutoff (Family) | Between$58,000–$65,000 depending on dependents |
Who Is Eligible for the July 2025 GST/HST Credit?
To receive theJuly 2025 payment, you must meet the following eligibility conditions:
- Be aCanadian resident for tax purposes
- Be19 years or older (exceptions apply for younger parents or married individuals)
- Have filed a2023 income tax return
- Havenet income below CRA’s thresholds
For those under 19, eligibility applies if they:
- Aremarried/common-law, or
- Are aparent living with their child
As youradjusted family net income (AFNI) rises above the CRA limits, your benefit amount willgradually decrease and may phase out completely.
GST/HST Credit Payment Dates in 2025
The CRA issues GST/HST credit payments four times a year:
*January 3, 2025
*April 4, 2025
*July 4, 2025
*October 3, 2025
If your payment does not arrive on time, the CRA advises waitingat least 10 business days before contacting support.
How the GST/HST Credit Amount Is Calculated
The CRA uses the following factors to calculate your payment:
*Your 2023 income tax return
*Marital status and number of children
*Net family income
*Special circumstances, such as shared custody, death of a spouse, or separation
If your family situation changes mid-year — such as marriage, divorce, or custody changes — your credit amount may bereassessed automatically by CRA.
How to Check If You’re Getting the July GST/HST Credit
To confirm your eligibility and payment details:
- Log intoCRA My Account
- Navigate to theBenefits and Credits section
- Look for theGST/HST Credit payment information
- Check yourdirect deposit ormailing address
It’s essential tokeep your banking and contact information up to date to ensure timely delivery.
Why This Payment Matters
For millions of Canadians, especially those inlow- to modest-income brackets, the$179 July GST/HST credit represents avital financial cushion to manage cost-of-living pressures.
With no paperwork required and direct deposit available, the process is designed to beautomatic, efficient, and accessible. If you’ve filed your taxes and meet the eligibility criteria, your payment should arriveon or shortly after July 4, 2025.
Frequently Asked Questions
Q1. Do I need to apply for the GST/HST credit?
No. The CRA determines eligibility automatically based on your annual tax return.
Q2. When will I receive my July GST/HST payment?
Payments will be issuedon July 4, 2025, either viadirect deposit orcheque.
Q3. What if I didn’t receive my credit on time?
Wait10 business days after the payment date, then contact CRA for assistance. Also, ensure that yourbanking or address details are current in CRA records.
