In 2025, the Canada Revenue Agency (CRA) is rolling out a revised CRA $650 GST Credit to continue easing financial pressure for lower and modest-income individuals and families. This refundable tax credit is designed to offset the cost of GST/HST paid on goods and services, offering critical financial relief to eligible Canadians.
But what’s changing in 2025? Who qualifies? And when can you expect to receive this low-income benefit? Here’s a complete breakdown.
What Is the CRA $650 GST Credit?
The Goods and Services Tax (GST)/Harmonized Sales Tax (HST) credit is a quarterly payment administered by the CRA. The $650 figure for 2025 reflects an indexed increase to address rising living costs and inflationary pressures.
This rebate for 2025 is not a one-size-fits-all payment. Instead, it’s the estimated maximum amount an individual could receive annually, depending on their family structure and income bracket.
For example:
A single individual could receive up to $650 per year.
Married or common-law partners could receive more when combined with the spousal amount.
Additional benefits apply for each child under 19.
Who Qualifies for the CRA $650 GST Credit in 2025?
Eligibility for the 2025 GST credit is primarily based on income and family situation. To qualify, applicants must meet the following criteria:
Be a Canadian resident for income tax purposes
You must be living in Canada and meet tax residency requirements throughout the payment period.
Be at least 19 years old
Or, if under 19, you must have (a) a spouse or common-law partner or (b) a child you live with and support.
File a tax return, even if you have no income
Your eligibility hinges on your tax filing. CRA automatically determines your entitlement based on your return, so skipping tax season means missing out.
Meet the income thresholds
The low-income benefit targets those below specific income levels:
Single individuals typically qualify with an income of less than $49,200.
Families with children or couples may have a higher qualifying threshold.
Keep in mind, income thresholds are adjusted annually, so 2025 figures may vary slightly depending on inflation updates from the CRA.
How Much Will You Receive?
While the headline figure is $650, the actual payment depends on your net family income and number of dependents. Here’s how it breaks down:
Base amount for single individuals: Up to $650
Additional for spouse/common-law partner: Around $680
Additional per child under 19: Roughly $175 per child
If your income exceeds a certain limit, the benefit is gradually reduced and may phase out entirely.
When Will You Get the GST Credit in 2025?
GST credit payments are issued quarterly. In 2025, the expected payment dates are:
January 3, 2025
April 4, 2025
July 4, 2025
October 3, 2025
Payments are usually made through direct deposit or mailed as a cheque if your banking details aren’t on file. If you’ve recently moved, be sure to update your address with CRA to avoid payment delays.
How to Apply for the GST Credit
Good news—you don’t need to apply separately for the GST credit. Filing your income tax return automatically enrolls you for consideration. If you’re new to Canada or just turned 19, you may need to fill out additional forms, such as RC151 (GST/HST Credit Application for Individuals Who Become Residents of Canada).
Why the GST Credit Matters in 2025
With rising housing costs, groceries, and transportation expenses, the CRA $650 GST Credit offers a crucial buffer for low- and moderate-income households. This rebate for 2025 aims to promote financial stability and reduce inequality—particularly for seniors, students, and families on tight budgets.
Even if you’re receiving other federal support, like the Canada Child Benefit (CCB) or the Climate Action Incentive Payment (CAIP), you’re still eligible for the GST credit as long as you meet the income and residency requirements.
FAQs: CRA $650 GST Credit 2025
Q: Is the GST credit taxable income?
A: No. The GST credit is a non-taxable benefit. You do not need to report it as income on your tax return.
Q: What if I don’t get the full $650?
A: That’s normal. The actual amount depends on your net income and family size. Most people receive less than the maximum unless their income is very low.
Q: I missed the tax filing deadline—can I still get the GST credit?
A: You can still receive it if you file late, but your payments will be delayed. File as soon as possible to avoid missing out on quarterly payments.
Q: What happens if my income increases during the year?
A: Your payments for the year won’t change once issued, but your next year’s entitlement could be reduced based on your updated tax return.
Q: How do I check my eligibility or payment status?
A: Use your CRA My Account online portal to view your GST credit status, upcoming payments, and prior amounts received.
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