5% for instant cash is fine. But what about the 0.005BTC fee for every POS? Wouldn't it be better if you start charging it in percent? Its like if I want to buy a book online (which costs me $2), ill have to pay 0.005 BTC(1$) as a fee to Bit-x, do you even know that its like 50% ? Your strategies are a clear reflection that bit-x is not targeting normal users as a customer for its MasterCard.
And I don't like your definition of "inactive", 5 times a month???!!! Do you want my grocery store to start accepting master card? Or do you want me to use my master card for buying a chewing gum or a bottle of Pepsi? That will never be possible. A normal user will each month have to pay 0.05BTC/month for being inactive and even if he wants to be active according to your definition, he'll have to use the card 5 times, making him to spend at least 0.025BTC(incase of POS and higher if he wants cash out the money). Bit-x should be more concerned about reaching to a normal bitcoin user base and not using their card as a means of creating a get-rich-quick scheme for themselves(you wont succeed). The fee needs a lot lot of alteration. You cannot expect people to just hand over bit-x their money just in the form of fee.
Most shops already do accept MasterCard™ as a payment method. Most people already know that credit/debit cards aren't meant for small purchases due to their fees not making small purchases worthwhile (they can still be used for this purpose nonetheless). 5 transactions a month is easily attainable (the odd ATM withdrawal and POS transactions in store). 0.025
BTC for those 5 transactions is currently $6, not a huge amount to the average Bitcoin user and this value can be less than 1% of your total if you transact over $600 which is, again, not a huge amount.
Fees are costs to a business (bank fees, MasterCard™ fees, actual Bit-X running cost fees), they aren't part of a 'get-rich-quick' scheme for any business. A service costs money to run and users must be prepared to pay those fees to use the service they're interested in.
$600 is in total what I spend on myself in ONE WHOLE month. This including my schooling fee, eatables , internet, everything and everything. And its not possible to spend 600$/month using master card , so it wont be profitable for a normal user like me, I.e it wont cost me less than 1% ever. 600$/month may be a small amount for you(and in developed nations) but in a country like India, 600$ is like a lot, and people spend way less than this amount on each person in most of the countries.
MasterCard can be very well used for making small purchases as well if you convert the fee into percentage. Its your misconception that people will be happy to pay 6$/month(at least) for just almost no reasons. The card is only to very less extent useful in developed nations, and 6$ is a handsome fee that you gonna charge.
If you do not consider changing the fee then consider changing the marketing strategy and stop selling the card to developing nations and only sell it in the developed nations cause the card wont be welcomed by a normal user.
Bit-x really needs to focus on making the card available and use full to a "normal" bitcoin users, you need to get your concepts clear about a normal bitcoin user and being "active"(P.S : 5 times a month is hyperactive).
Also, the atm fee is totally justified. But show some mercy for the POS people.