I am using card daily as my main card. Paying for everything with it. I just need to pay attention so shops doesn't  charge me in GIP (gibralthar pounds) otherwise everything is ok.
Why would you care about pay tokens, if there are no rewards?
Token has no use, it is worthless. IMHO it should cost 0 atm. Once they start paying rewards, it should be worth about reward/per yearly token payout *100 or so.

Now - I can't see any reason to hold PAY token.

What is it good for - absolutly nothing.