The Canada Revenue Agency (CRA) is issuing the latest round of GST/HST Credit payments this week, offering financial relief to millions of low- and modest-income Canadians. If you qualify, you could receive up to $133.25 for a single person or $266.50 for a family of four – and even more if your province provides a top-up.
Here’s everything you need to know about the GST/HST Credit July 2025 payment, including how much you could get, who’s eligible, and how it’s paid.
Table of Contents
What is the GST/HST Credit?
The Goods and Services Tax / Harmonized Sales Tax (GST/HST) Credit is a tax-free quarterly payment that helps individuals and families offset the cost of sales taxes on goods and services. The CRA automatically calculates and distributes this benefit based on your most recent tax return.
This credit is paid out four times a year – in January, April, July, and October – and the July 2025 payment kicks off the new benefit year with updated amounts and eligibility thresholds.
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How Much is the GST/HST Credit in July 2025?
For the 2025–2026 benefit year, the maximum quarterly GST/HST Credit amounts are:
- $133.25 for a single person
- $139.50 for a married or common-law couple
- $70 per child under 19
Example:
A family of four (two parents and two children) could receive up to $266.50 every three months from the federal government.
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Who is Eligible for the GST/HST Credit in 2025?
You may qualify for the GST/HST Credit July 2025 if:
- You are a Canadian resident for tax purposes
- You are 19 years or older
- Or you are under 19 and meet one of the following:
- Have a spouse or common-law partner
- Are a parent and live with your child
The CRA determines your eligibility using your 2024 tax return, so you must file your taxes – even if you had little or no income.
Income Limits
The GST/HST Credit starts to phase out as your family’s adjusted net income increases. While the CRA doesn’t publish an exact cut-off, here are rough estimates:
- Single individuals: Benefits begin phasing out after around $52,000
- Families with children: Thresholds are higher (approximately $60,000–$65,000, depending on number of children)
The CRA uses a formula that takes into account your family structure and income to determine your exact credit.
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How to Claim the GST/HST Credit
Good news – you don’t have to apply separately. If you file your annual income tax return, the CRA will automatically assess your eligibility and issue payments.
If you’ve never filed taxes in Canada before or are new to the country, you may need to:
- Complete Form RC151 – GST/HST Credit Application for Individuals Who Become Residents of Canada
- Submit the form to the CRA with supporting documentation
July 2025 GST/HST Credit Payment Date
📅 Payment Date: July 4, 2025 (first Thursday of the month)
Payments are typically deposited directly into your bank account or mailed by cheque if you’ve opted out of direct deposit.
If you don’t see your payment within 10 business days, you can contact the CRA or check your My Account portal online.
Final Thoughts
The GST/HST Credit July 2025 offers much-needed relief to Canadians navigating high living costs. With indexed increases and provincial top-ups, many households will see a noticeable boost this year.
To make sure you don’t miss out:
- File your taxes on time
- Keep your banking and mailing info updated with the CRA
- Check your eligibility each year, especially if your income or family situation changes
If you have questions about your payment or eligibility, the CRA’s My Account portal is the fastest way to get personalized information.
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