Canadian households can expect a bit more financial relief in 2024, as the **federal government increases the GST/HST credit** and introduces a new grocery benefit. For millions of low- and modest-income individuals and families, this uptick in support could ease the burden of rising living costs. Coupled with rapidly changing inflation patterns and housing challenges across the country, these changes reflect broader efforts to buffer the economic pressure many Canadians are facing.
While the GST/HST credit has existed for years as a tax-free quarterly payment to offset the cost of these taxes, adjustments made in 2024 are notably significant. Not only is the annual value of the credit increasing, but the new **Canada Grocery Rebate**—a one-time payment—adds an extra boost to help Canadians afford basic essentials. Both measures aim to deliver tangible support for those at greatest risk as affordability remains a key concern across the country.
2024 GST/HST Credit Highlights and Canada Grocery Rebate Overview
| Program | Change in 2024 | Average Benefit | Payment Frequency |
|---|---|---|---|
| GST/HST Credit | Increased amounts based on inflation adjustment | Up to $496 (individuals), $650 (married/common-law), $171/child | Quarterly (January, April, July, October) |
| Canada Grocery Rebate | New one-time payment (introduced in 2023, extended in spirit for 2024) | Up to $234 for single individuals, $467 for families with two children | One-time (July 2023 for 2023 rebate; expected continuation pending) |
What changed this year
In 2024, the **GST/HST credit saw a correlated increase due to adjustments for inflation**. These adjustments aren’t arbitrary—they reflect the government’s response to the rising cost of living, based on the Consumer Price Index (CPI). As many essential goods and services have become more expensive, the government has increased social benefits like the GST/HST credit to ensure purchasing power is preserved for households least able to absorb these changes.
The maximum *GST/HST credit amount* a single individual can receive is now **$496**, up from previous years, while married or common-law partners can receive up to **$650**. In addition, **each child under 19 adds $171** to the benefit. While modest on paper, these quarterly payments can make a noticeable impact when managed proactively, especially for those juggling high rent, childcare, and costly groceries.
Adding to this, the **Canada Grocery Rebate**—a temporary measure introduced in 2023—was designed to double the GST credit for an average family. Though this was a one-time payment, it reflected a rising trend in targeted assistance. There’s speculation that similar funding injections could be repeated as cost-of-living spikes persist into 2024 and beyond.
Who qualifies and why it matters
The eligibility for the GST/HST credit centers around **net income and family composition**. You must be 19 or older, a Canadian resident for income tax purposes, and meet income thresholds set by the CRA. Generally, individuals must earn below **$49,166** to qualify, although the threshold varies slightly depending on the family situation and number of children.
For the **Canada Grocery Rebate**, the eligibility aligned with that of the GST credit, and recipients were automatically enrolled if they qualified. This automatic inclusion ensures that funds reach the right people without unnecessary administrative hurdles.
These credits are part of fundamental income support infrastructure. They aren’t luxury perks— they are vital lifelines.
— Maria Leclerc, Senior Economist, Canada Insight Group
The economic impact of these benefits may feel subtle month to month, but over the course of a year, they can mean one less missed rent payment or one more full grocery cart.
How payments are distributed
The GST/HST credit is a **tax-free quarterly payment**, typically issued directly to your bank account through direct deposit if you’ve registered with the CRA. Payment dates fall on or around the **5th of January, April, July, and October**. Those who haven’t opted for direct deposit will receive cheques by mail, which may take longer to arrive.
The **Canada Grocery Rebate**, following its 2023 model, was a **lump-sum payment** issued in July. While no official announcement has confirmed a repeat in 2024, many policy analysts anticipate a similar support scheme may accompany future federal budgets if inflation persists.
Breakdown: Who are the winners and losers?
| Group | Impact |
|---|---|
| Low-income singles and families | Major winners — see largest increase and full grocery rebate allocation |
| Seniors with fixed income | Positive — eligible for higher quarterly credits and adjusted benefits |
| Middle-income families | Neutral or slight gain — benefit may phase out depending on income |
| High-income earners | Not eligible for either credit or grocery rebate |
How to apply step-by-step
There’s good news: **you don’t need to apply for the GST/HST credit or the Canada Grocery Rebate** if you’re eligible. The CRA determines eligibility automatically based on your most recent tax return. However, certain steps still help guarantee you get the benefits you’re owed:
- File your taxes on time, regardless of income. You must file a return even if you have no taxable income.
- Ensure your **marital status and address** are up to date with the CRA.
- Sign up for **CRA direct deposit** to receive funds faster and avoid lost cheques.
- If you’re new to Canada, **complete Form RC151** to apply directly for the GST credit.
The best way to ensure you receive these benefits is simple: file your return every year—even if you don’t owe taxes.
— Jason Ng, Certified Tax Advisor, Ontario
What to do if your benefit seems incorrect
If your quarterly GST payment seems lower than expected—or doesn’t arrive at all—there could be a few reasons:
- Your **income increased**, phasing you out of eligibility.
- You didn’t file your **latest tax return** or filed it late.
- Your **family status changed** (divorce, marriage, new child) and wasn’t reported to the CRA.
If any of these apply, log into your CRA MyAccount to check your eligibility and update details. You can also contact CRA directly for clarification.
Why this matters more than ever in 2024
Affordability remains a top concern for Canadians, with groceries up 9%, rent skyrocketing in urban centers, and pressures mounting for single-income households and new immigrants. These government credits are more than just line items in a federal budget—they’re the difference between stability and uncertainty for millions of households.
Given volatile inflation and uncertain economic trends, the expanded GST/HST credit and targeted rebates are seen as essential base-level support measures. These programs may not solve widespread financial strain entirely, but they represent deliberate action to address at-risk populations and mitigate deepening inequality.
Short FAQs
Who is eligible for the GST/HST credit in 2024?
Any Canadian resident 19 or older with income below the CRA threshold, typically under $49,000, is eligible. Family size and number of children also matter.
Is the GST/HST credit taxable?
No, the credit is completely tax-free and does not affect your taxable income or taxes owed.
Do I need to apply for the Canada Grocery Rebate?
No. If you qualify based on your GST credit eligibility, you’re enrolled automatically. Just make sure your tax return is filed and up to date.
When will I receive payments?
GST/HST credit payments go out quarterly in January, April, July, and October. The Grocery Rebate (if reissued) is a one-time payment, typically in mid-year.
What happens if I move or update my marital status?
Report any life changes to the CRA immediately. Delays or missing payments often result from outdated information on file.
Can newcomers to Canada receive the GST/HST credit?
Yes, newcomers can apply for the GST credit by filling out CRA Form RC151 after their arrival and once they meet residency requirements.