Introduction
The $698 GST/HST tax credit payment in October 2025 is a financial support measure introduced by the Canadian government to help low- and middle-income households manage the rising cost of living. As inflation continues to impact essential expenses like groceries, housing, and utilities, this payment is being welcomed by millions of Canadians.
The Goods and Services Tax (GST) and Harmonized Sales Tax (HST) Credit is not new—it has been in place for years as a way to provide tax relief. However, in October 2025, eligible Canadians will see a significant boost of up to $698, which can help them better manage day-to-day financial pressures.
This detailed guide explains what the credit is, how much you can expect, the eligibility criteria, the payment schedule, and how to ensure you receive it.
What is the GST/HST Tax Credit?
The GST/HST Credit is a quarterly tax-free payment designed to offset the GST or HST paid on goods and services. It is aimed at low- and modest-income individuals and families to reduce their overall tax burden.
The credit is calculated based on your:
- Net income (from your income tax return).
- Marital status.
- Number of dependent children.
In October 2025, eligible individuals could receive up to $698 as a special payment. This amount may vary depending on personal and household circumstances.
Overview Table: Quick Facts About the 2025 GST/HST Credit
Why a $698 Payment in October 2025?
The Canadian government has been responding to inflationary pressures and rising costs of living. Food prices, rent, and healthcare costs have increased significantly in the past two years.
To help offset these challenges, the government announced that qualifying Canadians will receive an enhanced GST/HST tax credit payment in October 2025, with a maximum of $698 for eligible recipients. This is meant as a financial cushion before the winter season when household expenses typically rise.
Eligibility Criteria for the $698 GST/HST Tax Credit
Eligibility is determined by the Canada Revenue Agency (CRA) based on your most recent income tax return. To qualify in October 2025, the general requirements are:
- Income Requirement – Your adjusted family net income must be below the threshold set by the CRA. High-income individuals typically do not qualify.
- Residency Requirement – You must be a resident of Canada for income tax purposes.
- Age Requirement – You must be at least 19 years old. Exceptions apply if you are married, have a common-law partner, or are a parent.
- Family Status – Families with children under 19 may receive additional amounts.
- Tax Filing – You must file your annual income tax return, even if you have no income, to be considered.
How Much Will You Receive?
The maximum GST/HST credit for October 2025 is $698. The actual amount depends on:
- Whether you are single, married, or in a common-law relationship.
- The number of children under 19 in your household.
- Your net income level.
For example:
- Single adults may receive up to $496.
- Couples may receive up to $650 combined.
- Families with children may receive additional amounts, bringing the maximum up to $698.
Payment Schedule – October 2025
The CRA usually issues GST/HST payments on a quarterly basis: January, April, July, and October. For 2025, the October payment date is expected in the first or second week of the month.
Payments will be delivered via:
- Direct deposit (fastest method).
- Mailed cheque (may take longer to arrive).
How to Ensure You Receive the Payment
To guarantee you receive the credit, follow these steps:
- File Your Taxes – File your 2024 income tax return on time (by April 2025).
- Sign Up for Direct Deposit – Link your bank account to the CRA for faster payments.
- Update Personal Information – Report changes in marital status, address, or number of dependents to CRA.
- Monitor CRA My Account – Check your eligibility and payment status online.
Benefits of the GST/HST Credit
The $698 payment can help Canadians in several ways:
- Cover grocery bills amidst rising food costs.
- Assist with rent or mortgage payments.
- Support families in paying for childcare and education supplies.
- Provide relief for seniors struggling with medical and living expenses.
This payment reflects the government’s ongoing commitment to support low- and middle-income households during times of economic pressure.
Challenges & Criticism
While the payment is welcome, critics argue that a one-time $698 payment is not enough to address long-term affordability issues. Some economists suggest:
- More structural tax reforms.
- Increased support for seniors and people on fixed incomes.
- Stronger action on housing affordability.
Nevertheless, the October 2025 credit is still a vital short-term relief measure for millions of Canadians.
FAQs:
Who is eligible for the $698 GST/HST tax credit in October 2025?
Low- and modest-income Canadians aged 19+, filing taxes, meeting residency requirements, and within CRA’s income thresholds will qualify.
How will the $698 GST/HST credit be paid in October 2025?
The CRA will issue payments through direct deposit or mailed cheque, with direct deposit being the faster method.
Do I need to apply for the $698 GST/HST October 2025 credit?
No application is required. If you qualify and file your taxes, the CRA will automatically issue the payment.