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The Goods and Services Tax/Harmonized Sales Tax Credit, commonly known as GST/HST Credit, is one of Canada’s most important financial support programs. It is designed to help individuals and families with low or modest incomes offset the impact of GST and HST they pay on goods and services. In September 2025, eligible Canadians will receive an increased credit amount of up to $698. This payment will provide relief at a time when the cost of living continues to rise across the country. Understanding who qualifies, when the payments are made, and how the system works is essential for households relying on this benefit.
What is the GST/HST Credit
The GST/HST Credit is a tax-free quarterly benefit provided by the federal government. It is not something people apply for separately every year, as eligibility is determined automatically when an individual files their income tax return. The credit helps reduce the burden of consumption taxes, making everyday essentials more affordable for people with limited income.
The New $698 Credit in September 2025
For the September 2025 payment cycle, the maximum annual amount of the GST/HST Credit has been set at $698 for an individual. This increase reflects adjustments made by the government to address inflation and rising household expenses. The payment is structured to support not only individuals but also married or common-law partners and families with children. The exact amount received depends on family income and the number of dependents.
Eligibility Criteria for the Credit
Not everyone qualifies for the GST/HST Credit. The Canada Revenue Agency (CRA) determines eligibility based on annual income tax returns. To be eligible for the September 2025 payment, an individual must have filed their 2024 tax return. Generally, you qualify if you meet the following conditions:
- You are a Canadian resident for income tax purposes.
- You are at least 19 years old, or if younger, you are married, in a common-law relationship, or a parent living with your child.
- Your family net income is below the threshold set by the CRA for 2025.
The income threshold changes every year. Households with higher incomes will see their credit reduced, while those with modest or low incomes receive the full amount.
Payment Amounts for Different Groups
The GST/HST Credit varies depending on family circumstances. For September 2025, the structure looks like this:
- Up to $698 for a single individual.
- Additional amounts for a spouse or common-law partner.
- Extra benefits for each child under 19 living in the household.
For example, a family of four could receive a significantly higher total than a single individual, as the program is designed to provide stronger support for larger households.
When Payments Will Be Made
The GST/HST Credit is issued quarterly in January, April, July, and September. For September 2025, payments will be deposited or mailed on the scheduled date announced by the CRA, which usually falls around the beginning of the month. Individuals who are registered for direct deposit will see the credit go directly into their bank account, while others will receive a mailed cheque.
How to Apply for the Credit
There is no separate annual application required for the GST/HST Credit. Filing your income tax return is the key step. Even if you have no income to report, submitting a tax return ensures that the CRA can assess your eligibility. For new residents of Canada, an application form may need to be completed when you first arrive, but afterwards, the process is automatic.
Common Reasons for Ineligibility
Some individuals are surprised to find out they are not receiving the credit. The most common reasons include:
- Family net income exceeding the CRA threshold.
- Not filing a tax return.
- Changes in marital status or dependents not reported to the CRA.
- Recent arrival in Canada without completing the initial application.
Keeping your personal information updated with the CRA is crucial to avoid delays or incorrect payments.
Impact of the Credit on Canadians
The $698 GST/HST Credit in September 2025 will make a meaningful difference for millions of Canadians. For individuals living on modest wages or fixed incomes, this money helps cover groceries, utilities, and other essential expenses. Families with children will especially benefit, as extra amounts per child can add up to significant support. While it is not a large payment compared to overall household costs, it reduces the pressure created by taxes on daily purchases.
Relation to Other Benefits
The GST/HST Credit works alongside other federal and provincial programs, such as the Canada Child Benefit and climate action incentives. Many families receive these benefits together, creating a broader safety net. The CRA often deposits them on similar dates, allowing households to manage their monthly and quarterly expenses more effectively.
How to Check Your Payment Status
Canadians can check their GST/HST Credit status through the CRA My Account online portal. This service provides information about upcoming payments, direct deposit details, and any outstanding tax return issues that could affect eligibility. Seniors or those not comfortable using digital services can contact the CRA by phone for updates.
Preparing for Future Payments
The September 2025 payment is only one part of the annual cycle. To continue receiving credits in 2026 and beyond, individuals must file their tax returns on time every year. Seniors, students, and people with no taxable income should still submit returns to remain eligible. Direct deposit registration is also recommended to avoid lost cheques and to receive payments quickly.
Conclusion
The Canada GST/HST Credit of $698 in September 2025 highlights the federal government’s commitment to supporting low- and modest-income households during challenging economic times. With clear eligibility rules, quarterly payments, and automatic assessment through tax returns, the program remains one of the most accessible forms of financial assistance in the country. For individuals and families, knowing the payment dates, understanding how the credit is calculated, and keeping personal information current with the CRA ensures that they receive the maximum support available.
