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.