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CRA Update: $496 GST/HST Credit Coming in October 2025 – How to Check Your Eligibility

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Table of Contents

  1. What Is the GST/HST Credit?
  2. Why Is the October 2025 Payment Important?
  3. Who Qualifies for the Up to $496 GST/HST Credit?
  4. Payment Schedule and Date
  5. How Much Can You Expect to Receive?
  6. How to Check Your GST/HST Credit Eligibility
  7. How the CRA Determines Your Credit Amount
  8. How to Ensure Timely Payment
  9. Official Resources for More Information

What Is the GST/HST Credit?

The Goods and Services Tax (GST) and Harmonized Sales Tax (HST) Credit is a government benefit designed to offset the sales tax burden on Canadians with low to moderate incomes. This non-taxable quarterly payment helps families and individuals manage the rising costs associated with essential goods and services, especially during inflationary periods.​

Why Is the October 2025 Payment Important?

The upcoming GST/HST credit deposit scheduled for October 2025 is a key financial boost for many Canadian households. This payment aims to provide temporary relief from the escalating expenses on groceries, fuel, and everyday essentials. The CRA’s official announcement confirms that eligible residents can expect to receive up to $496 in October, helping lighten the financial load during the fall season.​

Who Qualifies for the Up to $496 GST/HST Credit?

Eligibility for the October 2025 GST/HST Credit depends on your income level, living situation, and province of residence. Generally, you qualify if:

  • You are a Canadian resident for tax purposes.
  • You are at least 19 years old.
  • You have filed your 2024 income tax return.
  • Your family net income falls below the eligibility threshold—typically below $49,000 for an individual or below $65,000 for families.​

Additional provincial top-ups may increase your total benefit amount, depending on where you live.

Payment Schedule and Date

The CRA has scheduled the next GST/HST credit payments for October 3, 2025. The deposit, which can total up to $496, will be directly transferred into your bank account if you have direct deposit set up. Those receiving cheques will get their payments within 10 business days afterward. For the current benefit year (July 2025 to June 2026), this is one of the key quarterly disbursements.​

How Much Can You Expect to Receive?

The maximum GST/HST Credit for 2025 is approximately $496 per quarter, totaling over $1,984 annually. The actual amount varies based on your family size, income, and province. For example:

  • Single individuals with income under $49,000 could receive around $133 per quarter.
  • Married couples or common-law partners may get up to $186 per quarter.
  • Families with children could qualify for higher amounts, up to $496 per quarter, depending on household income and provincial top-ups.​

How to Check Your GST/HST Credit Eligibility

You can verify your eligibility and payment status using the CRA’s official online portal, My Canada Revenue Agency (My CRA) Account. Simply log in and navigate to the “Benefits and Credits” section to view your upcoming payments, historical deposits, and eligibility status. If you haven’t registered for direct deposit, setting it up ensures faster receipt of your payments.​

How the CRA Determines Your Credit Amount

The CRA calculates your GST/HST credit based on several factors:

  • Your net household income from the previous year.
  • Family situation, including marital status and dependents.
  • Provincial top-up amounts, if applicable.

The calculation considers your family’s adjusted net income, with income thresholds decreasing the benefit gradually as earnings increase. Any changes in your family circumstances should be reported promptly to ensure your benefit remains accurate.​

How to Ensure You Receive Payments On Time?

Ensure your banking details and contact information are current with CRA to avoid delays. Enrolling in direct deposit is the best way to receive your GST/HST credit quickly. You can update your information through your CRA My Account or by contacting CRA directly. Remember, filing your tax return on time every year is essential for continuous eligibility.​

Final Words

The October 2025 GST/HST credit — potentially up to $496 — provides vital financial support to Canadians managing rising costs. Check your eligibility early, update your banking details, and stay informed through official CRA channels to maximize your benefits.

For official updates and to learn more about your eligibility, visit the Canada Revenue Agency Benefits page.