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Top 20 Powerful Tips to Maximize Your Canada $628 Grocery Rebate in 2025
The Canadian government’s $628 Grocery Rebate has been a much-needed relief for households facing soaring food prices. But did you know that with the right strategies, you can stretch that money even further—way beyond just one grocery trip? Let’s dive into everything you need to know to make the most of this rebate in 2024.
What is the Canada $628 Grocery Rebate?
In response to the rising cost of living, especially food inflation, the Government of Canada introduced the Grocery Rebate. Eligible Canadians received up to $628 depending on family size and income level.
This rebate was automatically issued to those who qualified for the GST/HST credit. No separate application was required. If you’re looking to put this rebate to good use, keep reading—we’ve got you covered with smart hacks, tips, and insights.
Understanding the Rebate
Who is Eligible?
Eligibility is tied to your previous year’s tax return and whether you qualify for the GST/HST credit. Typically, low-to-modest income Canadians benefit from this rebate.
When and How Is It Issued?
The rebate was issued in July 2023, and a similar program may return in 2024 depending on government policy. Payments are deposited directly into your bank account or mailed as a cheque.
How Is the Amount Calculated?
It depends on:
- Your net income
- Family composition
- GST/HST credit eligibility
Singles may get less than couples with children. The maximum for families was $628, while singles received around $234.
Step-by-Step Guide to Claim the Rebate
1. Register for CRA My Account
It’s the easiest way to monitor eligibility and payment status. Visit the CRA website to create or log in.
2. Confirm Eligibility
Check under “Benefits and Credits” to see if you’re listed for the grocery rebate.
3. Track Your Payment
Look for “Grocery Rebate” in your benefits payment history. If you haven’t received it, contact CRA.
Smart Ways to Use Your Canada $628 Grocery Rebate
Stretch Every Dollar at the Grocery Store
- Use Flyers and Price-Match: Walmart, No Frills, and Real Canadian Superstore allow price-matching. Bring competitor ads with you.
- Buy in Bulk: Items like rice, pasta, oats, and canned goods last long and save you money over time.
- Check Clearance Sections: These often hold deals on products near expiry (but still good).
Stack Savings with Coupons and Loyalty Programs
- Apps to Download:
- Flipp (flyers & coupons)
- Reebee
- Checkout 51 (cashback on groceries)
- Loyalty Programs:
- PC Optimum
- Air Miles
- Metro’s Moi program
Combine coupons and loyalty points to double-dip on savings!
Prioritize Nutritious and Essential Items
Spend your rebate on whole, nutritious foods:
- Grains, legumes, veggies, eggs, and dairy go a long way.
- Avoid sugar-packed snacks or processed meals that cost more and give less.
Seasonal Buying
- Buy berries in summer, root veggies in winter, and greens in spring—they’re fresher, cheaper, and better tasting.
- Support local farmers markets for fresh deals.
Budgeting with the Grocery Rebate
Create a Weekly Grocery Budget
Break the $628 into weekly amounts—about $52/week over 12 weeks.
Use Apps to Track Spending
- Flashfood: Buy near-expiry groceries at huge discounts.
- Yuka: Scan items to compare nutrition and value.
- AnyList or Out of Milk: Stay organized with lists.
Additional Support Programs
Provincial Top-Ups
Some provinces, like Ontario and Quebec, may offer additional credits or grocery allowances. Always check your provincial benefits portal.
Community Food Support
- Food banks
- Meal programs
- Churches and community kitchens
- Co-op grocery stores for members
Myths and Misunderstandings
- “You can’t get it if you work” – Not true! Many working Canadians qualify.
- “It’s taxable” – Nope. It’s completely non-taxable.
- “You need to apply manually” – If you filed your taxes, you’re automatically considered.
Tips for Seniors and Students
For Seniors
- Combine this with OAS and GIS benefits.
- Check for local seniors’ discount days at grocery chains.
For Students
- Use rebate to stock up on meal prep items.
- Share bulk purchases with roommates.
Planning for the Future
Don’t blow it all at once. Instead:
- Save a portion for emergency groceries.
- Plan bulk pantry restocks every few months.
- Track receipts and stay mindful of your spending.
Conclusion
The $628 grocery rebate is a lifeline for many Canadians, especially in a time when every dollar counts. With a little planning, some smart tech, and the right mindset, you can make that rebate stretch far beyond your next trip to the store. Use it wisely—and don’t forget to share your savings hacks with others!
FAQs
1. Is the $628 grocery rebate a one-time payment?
Yes, it was a one-time payment issued in July 2023. Future payments depend on federal announcements.
2. Do I need to apply for the rebate?
No, if you qualify for the GST/HST credit and filed your taxes, it was sent automatically.
3. What if I didn’t get my rebate?
Check CRA My Account or contact CRA support.
4. Can I split the rebate with my spouse or family?
The rebate is calculated per household, based on your family net income.
5. Is the rebate considered taxable income?
Nope, it’s non-taxable and does not affect other benefits.
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