You know how some shops that have loyalty programs? Get points when you spend money in a shop that kind of thing. The fraud is when a customer whom does not have a loyalty card is served by a cashier who does have a loyalty card and the cashier swipes their own card to get the points. The t&C of the card likely says the person who spends the money is the one entitled to the points.
I put it under the category of victimless crime because the points are made up and the only real loss is the corporation running the program and fuck those programs.