If you’re living in Canada and struggling to keep up with rising costs, there’s some good news from the CRA (Canada Revenue Agency). The CRA has officially confirmed the $496 GST/HST credit payment dates for 2025. This credit is a helping hand from the government to low and moderate-income Canadians. So, what exactly is this payment, who gets it, and when will it land in your account? Let’s break it all down in simple terms.
What Is the GST/HST Credit?
The GST/HST credit is a tax-free payment. It’s meant to help people and families with low or modest incomes to offset the Goods and Services Tax (GST) or Harmonized Sales Tax (HST) they pay on things like groceries, clothes, and other daily needs.
Think of it as a small refund that helps lighten the load of everyday spending. The CRA sends this money every few months, and you don’t even need to apply separately. If you do your taxes, you’re already in line to receive it.
Who Can Get the $496 Credit?
This payment isn’t for everyone—it’s aimed at people and families who really need the extra help. You may be eligible if:
- You’re 19 years or older
- You’re a parent or have children living with you
- You and your spouse/common-law partner (if any) have a low or modest income
Even if you don’t work or earn very little, you can still qualify. Just make sure you file your taxes every year, even if you didn’t earn much. That’s the only way CRA knows you should get the credit.
When Will You Get the $496 Credit in 2025?
Now for the part everyone wants to know—when is the money coming?
For 2025, the CRA has confirmed that payments will go out four times a year, just like before. Here are the official months:
- January
- April
- July
- October
So, if you qualify, you can expect a deposit (or cheque) every three months. If the total credit you’re getting for the year is $496, it will be split into four payments. That’s around $124 every quarter.
How Do You Know If You’re Getting It?
If you want to check whether you’re getting the GST/HST credit, the easiest way is to log into your CRA My Account online. It will show your payment status, dates, and how much you’re getting.
You’ll also get a notice from the CRA every July that tells you exactly what you’ll receive for the year. If you got the credit last year and your income hasn’t changed much, chances are you’ll keep getting it.
What If You Don’t See a Payment?
Sometimes the payment might be delayed or doesn’t show up when you expect it. Don’t panic.
Here’s what you can do:
- Wait a few days—bank delays happen.
- Check your CRA My Account.
- Make sure you filed your latest tax return.
- Contact the CRA if something seems off.
It could be something as simple as a banking change or address update that needs fixing.
Why Is This Credit Important?
Life in Canada can be expensive. Whether it’s rent, groceries, or just trying to save a bit, every dollar counts. The GST/HST credit may not be huge, but it adds up. For many, it helps pay for a grocery trip or a bill they were worrying about.
It’s the government’s way of making sure taxes don’t hit the lower-income earners too hard. So, if you’re eligible, make sure you don’t miss out.
Conclusion
The CRA’s confirmation of the $496 GST/HST credit for 2025 is great news for millions of Canadians. It’s simple, tax-free, and sent automatically if you’re eligible. Just remember to file your taxes on time, keep your info updated with the CRA, and check your account regularly.
This credit won’t solve every financial problem—but it’s a little bit of relief that can make a real difference.
FAQs
What is the GST/HST credit used for?
It helps low-income people and families offset the tax they pay on everyday items like food, clothing, and services.
Do I need to apply separately to get the GST/HST credit?
No, just file your income tax return each year. The CRA will determine if you’re eligible automatically.
How much will I get if I qualify?
The full amount is $496 per person for 2025, paid in four parts—once every three months.
Can I get the credit if I don’t have a job?
Yes, even if you have little or no income, you can still qualify. Filing taxes is the key.
What if my income goes up during the year?
If your income increases a lot, your credit amount might be reduced or stopped next year. But it won’t affect current payments.
