Good news for millions of Canadians — the Canada Revenue Agency (CRA) is set to difficulty the next round of GST/HST credit payments in November 2025, providing a lot-wished economic relief to low- and middle-income families. The Goods and Services Tax/Harmonized Sales Tax (GST/HST) Credit enables offset the payment of taxes on items and services and is delivered quarterly to eligible individuals and families.
For the November 2025 charge cycle, qualifying Canadians may want to get hold of up to $496 relying on their income, marital status, and wide variety of dependents. Let’s ruin down everything you want to understand consisting of the payment dates, eligibility guidelines, and a way to claim your benefit.
What Is the GST/HST Credit?
The GST/HST Credit is a non-taxable payment issued to low- and modest-income Canadians to help cover the value of sales taxes on items and services. Unlike deductions or loans, this benefit comes within the form of quarterly direct payments. For 2025, the most credit is $496 for unmarried individuals without dependents, with better amounts available for households with spouses, companions, or children.
Why the $496 Credit Matters for Families
For many families, even a small economic cushion makes a massive distinction. The GST/HST Credit presents:
- Relief from ordinary tax prices on food, apparel, and basic offerings.
- Quarterly stability, permitting households to plan monthly budgets.
- Support for low-income earners, seniors, and single parent.
This benefit is specially essential for families suffering with growing inflation, making sure they could meet vital wishes along with groceries, hire, and transportation.
Eligibility Rules for the GST/HST Credit 2025
To qualify for the $496 credit, candidates need to meet particular CRA rules:
- Be a resident of Canada for income tax purposes.
- Be at least 19 years old earlier than the payment month.
- If beneath 19, eligibility may additionally still practice if the applicant has a spouse/not unusual-regulation accomplice or is a figure living with a infant.
- File a 2024 tax return—in spite of no income—to establish eligibility.
- Household income have to fall under CRA’s net income threshold for full or partial payments.
- Details consisting of marital reputation, variety of dependents, and deal with need to be correct and updated.
Payment Schedule for 2025 GST/HST Credit
The CRA problems payments every three months. For 2025, the schedule is as follows:
- January 3, 2025 – First installment
- April four, 2025 – Second installment
- July 4, 2025 – Third installment
- October 3, 2025 – Fourth installment
If a payment date falls on a weekend or federal vacation, the CRA advances it to the preceding business day. In a few cases, if the quarterly amount is less than $50, the CRA combines it right into a single annual payment.
How to Check Your Payment Status
You can verify your payment details through the CRA My Account portal:
- Log in to My Account for Individuals.
- Navigate to “Benefits and credits” → “GST/HST Credit”.
- View your next payment date, amount, and deposit method.
Alternatively, you can check by calling the CRA’s automated benefits line at 1-800-387-1193.
How to Claim the GST/HST Credit
In most cases, you don’t need to apply separately — the CRA determines eligibility automatically based on your tax return.
However, if you just became a resident of Canada, or haven’t filed taxes recently, you’ll need to apply using one of these forms:
- Form RC151 – GST/HST Credit Application for Individuals Who Become Residents of Canada
- Form RC66 – Canada Child Benefits Application (for families with children)
Once processed, your payments will start from the next quarterly cycle.
Other Benefits Linked to GST/HST Credit
If you qualify for the GST/HST Credit, you may also automatically receive or qualify for:
- Canada Carbon Rebate (formerly Climate Action Incentive Payment)
- Canada Child Benefit (CCB)
- Provincial or Territorial Credits, such as the Ontario Trillium Benefit or BC Climate Action Tax Credit
These programs are interconnected and determined through your annual income tax filing.
Conclusion
The CRA’s $496 GST/HST Credit for November 2025 provides vital financial support to Canadians facing higher living costs. With payments scheduled for November 14, 2025, this tax-free benefit ensures that low- and middle-income households receive timely assistance to help manage everyday expenses.
Eligible Canadians don’t need to reapply — simply file your 2024 tax return, keep your CRA direct deposit details updated, and watch for the deposit to hit your account. In times of rising prices, this quarterly credit remains a cornerstone of Canada’s effort to promote affordability, fairness, and financial stability for all.
