Every July, millions of Canadians eagerly anticipate their quarterly GST/HST credit payment. And in July 2025, eligible folks could receive up to $698 for the quarter, depending on their family size and income level. This tax-free payment from the Government of Canada helps low- and modest-income families offset the goods and services tax (GST) and harmonized sales tax (HST) they pay throughout the year.
If you’re wondering whether you qualify for this GST/HST credit in July 2025, you’re in the right place. Whether you’re new to filing taxes or a seasoned accountant looking for updated figures, we’ve got all the info you need—laid out plain and simple. And we’ve even tossed in some real-life examples, common mistakes, and tax tips to help you make the most of this benefit.
Canada Sends Out $698 GST/HST Credit in July 2025
| Feature | Details |
|---|---|
| Payment Date | July 4, 2025 |
| Maximum Payment | Up to $698/quarter for a family of four |
| Eligibility | Based on 2024 tax return, Canadian residency, age 19+ |
| Adjusted Family Net Income Limit | Phase-out begins at $45,521; phases out fully by ~$74,201 |
| CRA Website | canada.ca/gst-hst-credit |
The GST/HST credit for July 2025 is a lifeline for many Canadians, putting hundreds of dollars back in their pockets when they need it most. As long as you’ve filed your 2024 tax return and meet the income requirements, you could receive up to $698 this quarter. With rising living costs, every bit helps.
So check your CRA account, update your info, and make sure you’re getting everything you’re entitled to. You’ve earned it.
What is the GST/HST Credit?
The GST/HST credit is a quarterly payment sent by the Canada Revenue Agency (CRA) to eligible individuals and families. The goal? Help offset the cost of federal taxes like the Goods and Services Tax (GST) and the Harmonized Sales Tax (HST), which can really add up, especially on everyday items.
It’s basically Canada giving you a little cashback every few months.
You don’t need to apply separately for it—just file your taxes each year, and CRA figures out if you’re eligible. The first payment of the new benefit year kicks off in July, right after tax season.
Who’s Eligible in 2025?
If you filed your 2024 tax return and meet the income limits, you’re likely in the mix. Here are the basic requirements:
- Canadian resident for tax purposes
- 19 years or older (or younger if you have a child or spouse)
- Filed your 2024 income tax return
The CRA automatically determines your eligibility using your adjusted family net income (basically your household income after deductions).
Income Thresholds (July 2025 – June 2026)
- Phase-out begins: $45,521
- Full phase-out: Around $56,181 to $74,201 (varies by family size)
How Much Will You Get?
Let’s break down the max payment amounts per quarter for July 2025 – June 2026:
| Household Type | Max Quarterly Credit |
| Single adult | $133.25 |
| Married/Common-law couple | $174.50 |
| Each child under 19 | $46.00 |
Example:
A couple with two children can receive:
- $174.50 (base)
- $92.00 ($46 x 2 kids)
- Total: $266.50/quarter or $1,066/year
Real-Life Snapshot:
Meet Sarah, a single mom of one making around $38,000 a year. She received $133.25 + $46 for her child, totaling $179.25 for the quarter. That money helped cover groceries and back-to-school supplies.
When Will the July 2025 GST/HST Credit Arrive?
CRA has confirmed that Friday, July 4, 2025, is the first payment date of the new benefit year. Payments are sent by direct deposit or cheque if you haven’t enrolled online.
You can always check your status via:
- CRA My Account: Sign in here
- CRA mobile app: Available on iOS and Android
Step-by-Step: How to Get the GST/HST Credit
Step 1: File Your Taxes (2024 Return)
If you haven’t filed, do it ASAP. This is non-negotiable—the CRA uses your tax return to calculate eligibility.
Step 2: Sign Up for Direct Deposit
Avoid the wait for a paper cheque. Set up direct deposit through:
- Your online CRA account
- Your banking app (most major banks have this feature)
Step 3: Keep Your Info Up to Date
If you move or change banks, update your contact and banking info with the CRA to avoid delays.
Tips & Tricks to Maximize Your Credit
Claim Your Kids!
Make sure your children under 19 are listed properly on your tax return. This adds $46 per child per quarter.
Don’t Miss Filing Deadlines
If you miss the tax deadline, your credit could be delayed until you catch up.
Combine Benefits
You might also qualify for:
- Canada Child Benefit (CCB)
- Provincial top-ups (like Ontario Trillium Benefit)
These are usually bundled in the same payment when applicable.
Use a Tax Professional or Free Clinic
Sometimes free community clinics or tax professionals can uncover credits you didn’t even know you qualified for.
Common Mistakes to Avoid
- Not updating marital status or number of children
- Forgetting to file taxes on time
- Assuming you’re not eligible based on gross income rather than net family income
- Ignoring CRA mail – open those letters!
2024 vs. 2025
While the core eligibility for the GST/HST credit remains consistent, the income thresholds adjust annually. Here’s a quick comparison to help you understand how things are shaping up for the upcoming July 2025 payment (based on your 2024 tax return):
| Feature | For July 2024 Payment (Based on 2023 Income) | For July 2025 Payment (Based on 2024 Income) |
| Maximum for Single Individual | Up to approx. $320 | Up to approx. $337 |
| Maximum for Couple | Up to approx. $680 | Up to approx. $704 |
| Per Child Amount | Up to approx. $175 | Up to approx. $185 |
| Application Required? | No, automatic if taxes filed | No, automatic if taxes filed |
| Income Thresholds | Varies (e.g., ~$50,000 for single) | Slightly increased for inflation |
Provincial Top-Up Programs
Some provinces chip in with extra cash on top of the federal GST/HST credit. These include:
- Ontario: Trillium Benefit
- Nova Scotia, PEI, Newfoundland: Provincial tax credits
- BC: Climate Action Tax Credit
These vary, so check with your province’s finance department.
FAQs
Do I need to apply for the GST/HST credit?
Nope. Just file your taxes on time and CRA handles the rest.
What if I didn’t get my payment on July 4?
Wait at least 10 business days, then contact CRA at 1-800-387-1193.
Can newcomers to Canada get the credit?
Yes, if they meet residency and income requirements and have filed a tax return.
Does this affect my other government benefits?
No. This is non-taxable and doesn’t impact other credits like CCB or GIS.
How do I check how much I’ll get?
Use the CRA’s Benefits Calculator.
Can students get the GST/HST credit?
Yes! If you’re 19+ and meet income criteria, students often qualify for the basic amount.
