Everyone likes something for nothing. Many of us can’t look away from the catchword ‘Free’. In this context, it is difficult to ignore the convenience of a credit card. It’s not only a safer option compared to cash transactions, but also offers benefits in the form of rewards or cash-back options. Mohali-based businessman Varinder Kumar is one such smart consumer who has managed to merge his banking account with his credit card spends in such a manner that he earns reward points not only when he spends but also when he saves.