India's most comprehensive ultra-premium credit card combining rewards, zero forex markup, and exceptional lifestyle privileges for high-net-worth Burgundy Private clients
Earn 15 EDGE Miles per ₹200 on all spends with 5:4 transfer ratio (equivalent to 6% returns)
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| Benefit | Details |
|---|---|
| Elite Rewards Programme | Earn 15 EDGE Miles per ₹200 on all eligible spends (6% value with 5:4 transfer ratio). One of India's best reward rates on a super-premium card with no forex fees. |
| Zero Forex Markup | Enjoy 0% foreign exchange markup on all international transactions, making this one of the best cards for global spending and overseas travel. |
| Welcome Benefits | Receive 30,000 EDGE Miles bonus upon card activation and meeting initial spending requirements, valued at approximately ₹6,000. |
| Unlimited Global Lounge Access | Access over 1,300 airport lounges worldwide through Priority Pass with unlimited visits for primary and add-on cardholders, plus 12 complimentary guest visits annually. |
| Premium Hotel Memberships | Complimentary memberships to Club Marriott, Accor+ Explorer, Taj Epicure, ITC Culinaire, and potential status with international hotel programmes. |
| Golf Privileges | 50 complimentary golf rounds or lessons per year at leading golf courses across India, bookable through extraordinaryweekends.com. |
| Fine Dining Benefits | EazyDiner Prime membership offering savings of at least 25% at select fine dining restaurants, plus up to 20% off at over 4,000 premium dining establishments. |
| Airport Concierge Services | 8 complimentary airport meet and assist services annually at major Indian airports for seamless travel experience. |
| Entertainment Offers | Buy 1 Get 1 free on BookMyShow for movie and non-movie tickets (up to 5 of each monthly), with savings up to ₹500 per movie and ₹1,000 per event. |
| Zero Cash Withdrawal Charges | No cash advance fee on withdrawals from ATMs, with interest charged only from transaction date at lowest rate of 1.5% per month. |
| Comprehensive Travel Insurance | Extensive coverage including air accident cover up to ₹4.5 crores, lost baggage protection, purchase protection, and travel assistance. |
| Dynamic Credit Flexibility | Option to increase credit limit during overseas travel, ensuring seamless international spending without restrictions. |
| Health & Wellness Benefits | Complimentary health and wellness coaching session, up to 25% savings on additional sessions, and second medical opinion consultations. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Axis Bank |
| Bank / Non-bank | Bank-affiliated |
| Category | Super Premium / Relationship-Based |
| Type of Card | Super Premium Credit Card (Burgundy Private clients, Visa Infinite variant) |
| Free or Paid | ₹50,000 + GST Annually (Waived for Burgundy Private account holders) |
The Axis Bank Burgundy Private Credit Card represents the "One Card" philosophy, combining the benefits of a credit card, debit card, and forex card into a single comprehensive solution. Designed exclusively for Axis Bank Burgundy Private clients with a Total Relationship Value (TRV) of ₹5 crores or more, this card offers exceptional 6% returns through EDGE Miles, zero forex markup on international transactions, and a comprehensive suite of travel, dining, entertainment, and lifestyle benefits.
Unlike invitation-only cards like Reserve that charge non-waivable fees, the Burgundy Private card is complimentary for relationship holders, making it ideal for high-net-worth individuals who maintain significant banking relationships with Axis Bank and seek all-round benefits across luxury travel, fine dining, entertainment, golf, and everyday spending without international transaction costs.
Outstanding Rewards with Zero Forex: The Burgundy Private card delivers 15 EDGE Miles per ₹200 spent (6% value with 5:4 transfer ratio) on virtually all purchases, combined with 0% forex markup on international transactions—a rare combination that maximises value for global spenders.
Burgundy Private Relationship Card: Available exclusively to Axis Bank Burgundy Private clients who maintain a minimum TRV of ₹5 crores, with annual fee completely waived for relationship holders, making it essentially free for eligible clients.
Comprehensive Hotel Memberships: Cardholders receive complimentary memberships to Club Marriott, Accor+ Explorer, Taj Epicure, and ITC Culinaire, providing substantial savings and privileges across India's finest hotel chains.
Substantial Welcome Bonus: Receive 30,000 EDGE Miles upon card activation and initial spending, providing immediate value equivalent to approximately ₹6,000 in rewards.
Unlimited Lounge Access with Guests: Primary and add-on cardholders enjoy unlimited domestic and international lounge access, plus 12 complimentary guest visits annually—ideal for family travel.
Zero Cash Advance Fees: Unlike most premium cards, no fees charged on cash withdrawals from ATMs, with competitive 1.5% monthly interest rate, making cash access convenient when needed.
Premium Golf Benefits: 50 complimentary rounds or lessons annually at leading golf courses across India, significantly more accessible than many premium cards' limited allocations.
EazyDiner Prime Membership: Complimentary membership providing guaranteed minimum 25% savings at select fine dining restaurants, with access to over 4,000 premium dining establishments.
BookMyShow Benefits: Buy 1 Get 1 free offer on both movie tickets (₹500 value) and non-movie event tickets (₹1,000 value), with 5 of each available monthly.
Airport Assistance Services: 8 complimentary meet and assist services annually at Indian airports, providing personalised support for check-in, security, and boarding.
Dynamic International Credit: Option to request increased credit limits during overseas travel, ensuring seamless high-value spending abroad without transaction declines.
Health & Wellness Coverage: Complimentary wellness coaching session, discounted additional sessions, specialist consultations for second opinions, and preventive healthcare diagnostics.
Comprehensive Insurance Protection: Extensive coverage including ₹4.5 crore air accident insurance, lost baggage, purchase protection, credit shield, and 24/7 global travel assistance.
24/7 Concierge Services: Dedicated concierge available round-the-clock for flight bookings, restaurant reservations, shopping assistance, and lifestyle services.
Postcard & Oberoi Benefits: Up to 15% discounts and exclusive stay privileges at Postcard hotels, plus up to 50% savings at Oberoi properties.
Premium Base Rate: Earn 15 EDGE Miles for every ₹200 spent on eligible domestic and international purchases. When transferred to airline or hotel partners at the 5:4 ratio, this provides an excellent 6% return on spending.
Universal Earning: The 15 EDGE Miles per ₹200 rate applies consistently across nearly all spend categories (subject to specific exclusions), providing simplicity and maximising rewards on qualifying transactions.
No Earning Caps: Earn unlimited EDGE Miles with no monthly caps or thresholds, allowing high spenders to accumulate substantial rewards without restrictions.
International Transactions: Earn the same premium 15 EDGE Miles per ₹200 on international spends, with the added benefit of 0% forex markup, delivering approximately 6% net returns on overseas spending.
Rental Payments: Earn EDGE Miles on rent payments up to ₹1 lakh per month, making this one of the few premium cards offering rewards on this category.
Insurance Payments: Earn EDGE Miles on insurance premium payments with a monthly capping of 6,000 reward points, providing value on otherwise non-rewarding expenses.
Transfer Partners: Each EDGE Mile converts to 4 partner points when transferred to participating airline or hotel loyalty programmes (5:4 ratio), enhancing redemption value for premium travel bookings.
Annual Transfer Limits: Maximum of 15 lakh EDGE Miles can be transferred per calendar year per customer ID, with 3 lakh for Group A partners and 12 lakh for Group B partners.
Travel EDGE Platform: Access the dedicated Axis Travel Edge portal where EDGE Miles can be redeemed directly for flight bookings and hotel stays, or transferred to partner loyalty programmes at the 5:4 conversion ratio.
Premium Partner Transfers: Transfer accumulated miles to over 15 airline and hotel loyalty programmes including major Indian carriers (Vistara, Air India), international airlines, and luxury hotel chains. The 5:4 ratio ensures good value extraction for award bookings.
Rewards Catalogue: Redeem EDGE Miles through the Axis Bank Rewards Catalogue for products, electronics, gift vouchers, and experiences, with each EDGE Mile valued at ₹0.20 for catalogue redemptions.
No Redemption Fees: EDGE Miles redemption fees are waived for Burgundy Private cardholders, ensuring you keep the full value of your accumulated rewards.
Miles Validity: EDGE Miles remain valid for an extended period, allowing strategic accumulation for high-value redemptions such as business class awards or luxury hotel stays.
Substantial Bonus Miles: Receive 30,000 EDGE Miles bonus upon card activation and meeting initial spending requirements, valued at approximately ₹6,000 when transferred to partners or redeemed.
Premium Memberships: Complimentary enrolment in Club Marriott, Accor+ Explorer, Taj Epicure, ITC Culinaire, and EazyDiner Prime upon card activation.
Activation Requirements: Welcome benefits typically credited upon card activation and meeting specified initial transaction requirements communicated during card issuance.
Free for Burgundy Private Clients: The ₹50,000 + GST annual fee is completely waived for Axis Bank Burgundy Private account holders, making this a complimentary super-premium card for relationship clients.
No Spend Requirements: Unlike many premium cards, no minimum spending required to maintain fee waiver—the waiver is automatic for Burgundy Private clients maintaining required TRV.
Membership Renewals: Complimentary memberships to hotel programmes and dining platforms are renewed annually as long as card remains active and Burgundy Private relationship is maintained.
Unlimited Global Access: Primary and add-on cardholders enjoy unlimited complimentary access to over 1,300 airport lounges worldwide through Priority Pass membership.
Complimentary Guest Access: Bring up to 12 guests annually (combined across domestic and international lounges) at no additional charge—excellent for family travel.
Domestic & International Coverage: Unlimited lounge access at both domestic Indian airports and international airports globally, providing comfort regardless of destination.
Meet & Assist Services: 8 complimentary airport concierge services annually at major Indian airports, including meet-and-greet, expedited check-in, security assistance, and boarding support.
Club Marriott Membership: Complimentary membership providing access to exclusive member rates, potential room upgrades, dining benefits, and special privileges across Marriott properties in India.
Accor+ Explorer Membership: Complimentary membership to Accor's loyalty programme offering benefits at Accor hotels including Fairmont, Novotel, Ibis, and other brands globally.
Taj Epicure Membership: Complimentary membership providing dining discounts, room upgrade privileges, spa benefits, and preferential treatment across Taj properties worldwide.
ITC Hotels Benefits: Complimentary ITC Culinaire membership offering substantial dining discounts, room upgrade privileges, spa discounts, and preferential treatment across ITC's luxury hotels.
Postcard Hotels: Up to 15% discount and exclusive stay privileges at The Postcard Hotel properties across India, known for boutique luxury experiences.
Oberoi Properties: Up to 50% off and special privileges at Oberoi and Trident Hotels across India and select international locations.
50 Annual Rounds: Enjoy 50 complimentary golf rounds or professional lessons per year at select premium clubs across major Indian cities including Delhi NCR, Mumbai, Bangalore, Chennai, Hyderabad, and Pune.
Easy Booking: Reserve golf sessions through extraordinaryweekends.com platform, with bookings subject to availability at participating clubs.
Value for Golf Enthusiasts: With typical green fees ranging ₹3,000-10,000+ per round at premium clubs, this benefit can provide ₹1.5-5 lakhs annual value for regular golfers.
EazyDiner Prime Membership: Complimentary membership providing guaranteed minimum 25% savings at select partner restaurants, with access to over 4,000 premium dining establishments across India.
Axis Dining Delights: Additional dining privileges and discounts at premium restaurants through Axis Bank's dining programme.
BookMyShow BOGO Offer: Buy 1 Get 1 free on movie tickets (up to ₹500 off on second ticket) and non-movie event tickets (up to ₹1,000 off on second ticket).
Monthly Entertainment Quota: Avail up to 5 complimentary movie tickets and 5 complimentary non-movie event tickets per month through BookMyShow offer.
Concierge Restaurant Bookings: Use 24/7 concierge for assistance with reservations at sought-after restaurants and exclusive dining experiences.
Zero Forex Markup: 0% foreign exchange markup on all international transactions—one of the card's standout features, saving approximately 3.5% on every overseas spend.
Dynamic Credit Flexibility: Request increased credit limits during overseas travel, ensuring uninterrupted spending capacity for international trips.
Airport Transfers Discount: Up to 30% off on international and domestic airport transfers through partner services, available in major cities.
24/7 Concierge Services: Dedicated concierge available round-the-clock for flight bookings, itinerary planning, hotel reservations, rental car bookings, and travel assistance.
Emergency Travel Support: Immediate assistance with flight rebooking, hotel arrangements during disruptions, and travel-related emergencies through concierge services.
Air Accident Cover: Substantial coverage of ₹4.5 crores for air travel-related accidents when tickets are purchased using the Burgundy Private card, subject to policy terms.
Global Medical Coverage: Overseas medical and hospitalisation coverage during international travel, with 24/7 emergency assistance and medical referrals.
Lost Baggage Protection: Coverage for lost, stolen, or damaged baggage during travel, with reimbursement for necessary purchases if baggage is delayed over 6 hours.
Purchase Protection: Coverage against theft or accidental damage of items purchased using the card within 90 days, subject to policy limits and exclusions.
Credit Shield: Covers outstanding balance on the card in the event of accidental death, providing financial protection for cardholders and families.
Zero Lost Card Liability: Protection against fraudulent purchase transactions for 30 days prior to reporting card loss to Axis Bank, subject to FIR filing.
Loss of Travel Documents: Reimbursement for costs incurred in procuring replacement passport and travel documents while travelling overseas.
Wellness Coaching: Complimentary health and wellness coaching session with Weljii, with up to 25% savings on additional health and wellness sessions.
Second Medical Opinion: Consultations with world-class medical specialists for second opinions on health concerns, providing peace of mind for important medical decisions.
Preventive Healthcare: Access to diagnostic services at leading medical institutions for preventive healthcare and early detection.
Global Medical Assistance: 24/7 medical assistance during international travel, including emergency medical referrals and hospitalisation support.
No Cash Withdrawal Fees: Unlike most premium cards that charge 2.5% fees, Burgundy Private card charges zero fees on cash withdrawals from ATMs.
Competitive Interest Rate: Cash advances accrue interest from transaction date at 1.5% per month (19.56% per annum)—lowest rate among Axis Bank credit cards.
No Late Payment Fees: Late payment fees are completely waived for Burgundy Private card, though interest will accrue on unpaid balances.
Convenient Cash Access: Withdraw cash domestically and internationally without penalty fees, providing financial flexibility during travel.
Fuel Surcharge Waiver: 1% fuel surcharge waived on transactions between ₹400 to ₹4,000 at authorised petrol pumps across India.
Monthly Cap: Maximum fuel surcharge waiver benefit capped at ₹400 per month across all fuel transactions.
Note on Rewards: Fuel purchases earn EDGE Miles subject to card terms and conditions, with 1% fee on cumulative spends of ₹50,000 or more on fuel per statement cycle.
EDGE Miles earning may be limited or excluded on the following transaction categories:
Cash withdrawals and cash advances
EMI conversions and loan payments
Card fees and charges
Transaction reversals and refunds
Rent payments beyond ₹1 lakh per month
Wallet loads beyond specified limits (1% fee on cumulative spends of ₹10,000 or more)
Education payments made via third-party apps (1% fee applicable)
Utility payments beyond specified limits (1% fee on cumulative spends of ₹25,000 or more)
Online skill-based gaming platforms beyond specified limits (1% fee on cumulative spends of ₹10,000 or more)
Gold and jewellery purchases
Government institution payments
Any other category specified by Axis Bank
Disclaimer: The card features, benefits, eligibility criteria, and other details mentioned above are accurate at the time of writing but may change without prior notice. As a relationship-based product, benefits are contingent on maintaining Burgundy Private account status and required TRV.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹50,000 + GST (~₹59,000) | One-time charge when card is issued. Completely waived for Burgundy Private account holders. |
| Annual Fee | ₹50,000 + GST (~₹59,000) | Charged every year. Completely waived for Burgundy Private account holders maintaining required TRV. |
| Add-on Card Fee | Nil | Complimentary add-on cards for family members. |
| Interest Rate (APR) | 1.5% per month (19.56% annually) | Applicable on outstanding balances after due date. Lowest interest rate among Axis Bank credit cards. |
| Foreign Currency Markup | 0% | Zero forex markup on international transactions—a key differentiator making this excellent for overseas spending. |
| Cash Withdrawal Fee | Nil | No cash advance fee charged on ATM withdrawals, unlike most premium cards. |
| Cash Advance Interest | 1.5% per month (19.56% annually) | Interest accrues from transaction date on cash withdrawals until payment. |
| Late Payment Fee | Waived | No late payment fees charged to Burgundy Private cardholders, though interest will accrue. |
| Over-limit Penalty | Waived | No over-limit penalty charged to Burgundy Private cardholders. |
| Cheque Return/Dishonour Fee | 2% of payment amount (Minimum ₹450) | Charged when payment cheque bounces or auto-debit fails (waived for Burgundy Private). |
| Cash Payment at Branch Fee | Waived | No fee for cash payments made at Axis Bank branches (waived for Burgundy Private). |
| Duplicate Statement Charges | Waived | Complimentary duplicate statements for Burgundy Private cardholders. |
| EDGE Miles Redemption Fee | Waived | No fee charged on redemption transactions through rewards catalogue. |
| EDGE Miles Transfer Fee | Waived or ₹199 per transaction | Fee typically waived for Burgundy Private cardholders when transferring miles to partners. |
| Rent Transaction Fee | 1% on amounts over ₹1 lakh monthly | First ₹1 lakh per month earns full rewards; amounts above attract 1% fee. |
| Wallet Load Fee | 1% on cumulative spends of ₹10,000+ | Per statement cycle; applies to digital wallet loads beyond threshold. |
| Fuel Transaction Fee | 1% on cumulative spends of ₹50,000+ | Per statement cycle; applies to fuel transactions beyond threshold. |
| Utility Payment Fee | 1% on cumulative spends of ₹25,000+ | Per statement cycle; applies to utility payments beyond threshold. |
| Education Payment Fee | 1% on education payments via third-party apps | Applies to education fee payments made through third-party payment platforms. |
| Gaming Platform Fee | 1% on cumulative spends of ₹10,000+ | Per statement cycle; applies to online skill-based gaming platforms. |
| Goods & Services Tax (GST) | 18% on most fees and charges | Applicable on fees, charges, and applicable on foreign currency markup (0% base + GST). |
| Criteria | Details |
|---|---|
Burgundy Private Relationship | Mandatory Axis Bank Burgundy Private Savings Account required for card issuance. Cannot be obtained without this relationship. |
Total Relationship Value (TRV) | Minimum TRV of ₹5 crores required, calculated at Customer ID or Family ID level, maintained within 12 months of account/relationship initiation. |
Ongoing TRV Maintenance | Ongoing maintenance of minimum TRV of ₹5 crores required to retain Burgundy Private status and card benefits. |
TRV Composition | TRV includes Savings Account, Current Account, Term Deposits, Recurring Deposits, Specified Investment Relationships, Mutual Funds, Life Insurance, Structured Products, Portfolio Management Services, RBI Bonds, PPF, NPS, and Alternative Assets (excluding Demat holdings). |
Age | Primary cardholder should be between 21 and 70 years of age. |
Citizenship | Must be a Resident of India. NRI variant available with specific terms. |
Credit Profile | Good to excellent credit history with high CIBIL score (typically 750+) and no recent defaults or delinquencies. |
Account Maintenance | Active Burgundy Private Savings Account in good standing with regular account activity. |
Relationship Manager | Typically issued through Axis Bank Burgundy Private relationship manager based on client profile and relationship value. |
Card Conversion | If Burgundy Private status is discontinued, card will be converted to corresponding complimentary credit card of downgraded savings account variant. |
| Document Type | Details |
|---|---|
| Identity Proof | Any one of the following: Aadhaar Card, PAN Card (mandatory), Passport, Driving Licence |
| Address/Residence Proof | Any one of the following: Aadhaar Card, Passport, Driving Licence, Recent Utility Bill (within 3 months), Property documents |
| Income Proof | Bank statements (last 12 months) / Salary slips (last 3-6 months) / Form 16 / Income Tax return copy (last 3 years) / Audited financial statements / Investment portfolios |
| PAN Card | Mandatory for credit card issuance as per RBI regulations and income tax requirements. |
| Photograph | Recent passport-size photographs may be required. |
| Business Proof (if applicable) | Business registration documents, GST registration, audited financials, company incorporation certificates for business owners and professionals. |
| Burgundy Private Documentation | Existing Burgundy Private clients have much documentation already on file; additional documents may be minimal. |
Step 1: Burgundy Private Relationship Requirement: Establish an Axis Bank Burgundy Private banking relationship by opening a Burgundy Private Savings Account and maintaining minimum Total Relationship Value (TRV) of ₹5 crores.
Step 2: TRV Composition: Build TRV through combination of deposits (Savings, Current, FDs, RDs), investments (Mutual Funds, Life Insurance, Structured Products, PMS), and other qualifying relationships with Axis Bank (excluding Demat holdings).
Step 3: Relationship Manager Contact: Your dedicated Axis Bank Burgundy Private relationship manager will assess your eligibility and offer the Burgundy Private Credit Card as part of your banking relationship benefits.
Step 4: Eligibility Verification: Relationship manager verifies that you meet TRV requirements and have maintained good banking relationship with appropriate account activity.
Step 5: Card Application: Complete the credit card application process facilitated by your relationship manager, providing any required documentation (typically minimal for existing clients).
Step 6: Credit Assessment: Axis Bank conducts credit assessment including CIBIL score verification and review of existing credit relationships to determine creditworthiness.
Step 7: Card Approval & Delivery: Upon approval, card is delivered securely, often hand-delivered by relationship manager with personalised onboarding and benefits briefing.
Step 8: Membership Activation: Upon receipt, activate the card and register for complimentary memberships including Club Marriott, Accor+ Explorer, Taj Epicure, ITC Culinaire, and EazyDiner Prime.
Step 9: Concierge Introduction: Receive contact details for dedicated 24/7 concierge services and comprehensive guide to maximising card benefits.
Step 10: Automatic Fee Waiver: Annual fee automatically waived as long as Burgundy Private relationship is maintained with required TRV—no spending thresholds needed.
| Usage Tips | Details |
|---|---|
Make It Your Primary Card | With 15 EDGE Miles per ₹200 (6% return) and zero forex markup, use Burgundy Private as your primary payment method for all eligible purchases domestically and internationally. |
Maximise International Spending | The 0% forex markup combined with 6% rewards delivers exceptional value on overseas spending—use extensively for international travel, shopping, and hotel bookings. |
Leverage Zero Cash Advance | Take advantage of zero cash withdrawal fees when cash is needed, though pay off quickly to minimise interest charges at 1.5% monthly. |
Activate All Memberships Immediately | Upon card receipt, register for Club Marriott, Accor+ Explorer, Taj Epicure, ITC Culinaire, and EazyDiner Prime to begin enjoying benefits immediately. |
Use EazyDiner for Regular Dining | Book restaurant reservations through EazyDiner Prime membership to secure guaranteed 25% minimum savings at partner establishments. |
Plan BookMyShow Entertainment | Take advantage of BOGO offers by planning movie outings and event attendance—5 movies and 5 events monthly provides substantial entertainment value. |
Schedule Golf Regularly | Book golf rounds or lessons through extraordinaryweekends.com platform to extract maximum value from 50 annual complimentary rounds. |
Utilise Concierge Proactively | Don't reserve concierge only for emergencies—use for flight bookings, restaurant reservations, hotel bookings, and lifestyle assistance to get full service value. |
Transfer Miles Strategically | Transfer accumulated EDGE Miles to airline and hotel partners at 5:4 ratio for premium travel redemptions, particularly for business class awards. |
Maximise Lounge Access | Use unlimited Priority Pass access at every opportunity, and bring family members using the 12 complimentary guest visits annually. |
Book Airport Assistance | Schedule meet and assist services for major trips through concierge, especially during peak travel periods or when travelling with family. |
Pay in Full Monthly | Despite waived late fees, always pay full statement balance to avoid interest charges that would negate reward earnings and leverage lowest 1.5% interest rate. |
Monitor TRV Requirements | Maintain required ₹5 crore TRV to continue receiving fee waiver and Burgundy Private status—coordinate with relationship manager on TRV composition. |
Use for Rent Payments | Maximise rent payment rewards up to ₹1 lakh monthly to earn EDGE Miles on otherwise non-rewarding expense category. |
Plan Hotel Stays Strategically | Use complimentary hotel memberships during travel to secure room upgrades, late checkouts, and dining benefits at Taj, ITC, Marriott, and Accor properties. |
The Axis Bank Burgundy Private Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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