The term “Canada’s $496 GST/HST Credit for November 2025” has become a popular search phrase as Canadians look for updated benefit information.
While the GST/HST credit does not issue a payment in November 2025, there are important updates for the 2025–26 payment cycle, including higher credit amounts, new income thresholds, and the official CRA schedule.
This article explains the latest payment amounts, who qualifies, and what to expect for the upcoming GST/HST credit.
What Is the GST/HST Credit?
The GST/HST credit is a tax-free quarterly payment from the Canadian government designed to help low- and modest-income individuals and families offset the goods and services tax they pay on daily expenses.
Key features:
- It is automatically calculated when you file your taxes.
- It helps reduce the impact of inflation and rising living costs.
- You do not need to apply separately; filing your tax return is enough.
The benefit amount changes every July based on the Consumer Price Index (CPI) and updated income thresholds.
Understanding the “$496 GST/HST Credit” in 2025
The $496 amount commonly mentioned online refers to earlier maximum annual payments for a single adult.
However, for the July 2025–June 2026 payment year, the government has increased the maximum annual credit.
Updated Maximum Annual GST/HST Credit (2025–26)
- $533 for a single adult
- $698 for a married or common-law couple
- $184 per child under 19
Even though many still search for the term “$496 GST/HST Credit,” the latest amount for singles is higher, offering more support.
CRA GST/HST Credit Payment Schedule for 2025
The GST/HST credit is paid four times a year. The official CRA payment dates for 2025 are:
| GST/HST Payment Date (2025) | Benefit Quarter | Status |
|---|---|---|
| January 3, 2025 | Oct–Dec 2024 | Paid |
| April 4, 2025 | Jan–Mar 2025 | Paid |
| July 4, 2025 | Apr–Jun 2025 | Paid |
| October 3, 2025 | Jul–Sep 2025 | Paid |
| November 2025 | — | No Payment |
Important Note
There is no scheduled GST/HST credit payment in November 2025.
Many Canadians check their bank accounts expecting a deposit, but the credit only arrives quarterly.
The next payment after October 3, 2025 will be January 2026.
How Much Will You Receive in 2025–26?
Your GST/HST credit depends on:
- Adjusted family net income
- Marital status
- Number of eligible children
Below is an approximate breakdown of the maximum amounts.
| Household Type | Maximum Annual Credit (2025–26) | Approx. Quarterly Amount |
|---|---|---|
| Single adult | $533 | Around $133 |
| Couple | $698 | Around $175 |
| Per child | $184 | Around $46 |
These values represent the highest possible amounts.
If your income is higher, your credit will decrease gradually until it phases out.
Eligibility Requirements for the GST/HST Credit
To qualify for the 2025–26 GST/HST credit, you must:
- Be a Canadian resident for tax purposes.
- Be 19 years or older, or
- have a spouse/common-law partner, or
- be a parent living with your child.
- Have a low or modest family net income.
- File your 2024 income tax return — this is essential, even with no income.
You will be automatically assessed by the CRA.
How to Check Your GST/HST Credit in November 2025
Even though no payment comes in November, you can still:
- Check your CRA My Account for upcoming amounts.
- Confirm your direct deposit details.
- Ensure your marital status and child information are updated.
- Review whether you received the October 3, 2025 payment.
If the October payment didn’t arrive, CRA generally recommends waiting up to 10 business days before contacting them.
The phrase “Canada’s $496 GST/HST Credit for November 2025” remains common, but it does not reflect the updated 2025–26 payment structure.
There is no GST/HST payment in November 2025, and the new maximum annual amounts now reach $533 for singles, $698 for couples, and $184 per child.
By filing your 2024 tax return on time and keeping your CRA information current, you can ensure you receive the correct tax-free quarterly payments for the year ahead.
FAQs
Is the GST/HST credit paid in November 2025?
No. The GST/HST credit is not issued in November. The scheduled payments in 2025 are made in January, April, July, and October.
Why do people mention the $496 GST/HST credit?
The $496 figure refers to an older maximum amount for singles. For the 2025–26 benefit year, the updated maximum is $533.
How do I qualify for the 2025–26 GST/HST credit?
You must be a Canadian resident, meet the age or family requirements, file your 2024 tax return, and fall within the low- or modest-income limits.