IMO, I feel if MAS must lower the income requirement for credit cards, then $24K is the minimum. At the moment, $30K is the limit which I feel should be the floor and must not be decreased further.
An article for reading
http://www.straitstimes.com.sg/storyprintfriendly/0,5578,373638,00.html
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Do provide your constructive comment. I appreciate that.