Surbjit Singh Khera's sentence has been suspended for two years - saving him jail time.
The 46-year-old stole two cards and their corresponding PIN numbers to withdraw around 800 pounds ((USD 1,030) from cash machines and also stole shopping vouchers worth 60 pounds from a birthday card, Leicester Crown Court was told this week.
Khera initially denied the crime but later pleaded guilty and was ordered to refund the stolen money and pay court costs of around 1,000 pounds, 'Leicester Mercury' reported.
He told the defendant: "You might have been under financial pressure, but for a postman to resort to theft is both shameful and very serious. The public extend very considerable trust to people who carry their goods, valuables and documents.
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"You must have understood the system of posting PINs and bank cards separately to target certain types of letters. The theft of the Next voucher in a birthday card was a mean offence."
He told Khera that he is sparing him from immediate custodial sentence only because of a heart condition.
Khera has since lost his job with the Royal Mail in Leicester but found alternative employment.
His defence team claimed his financial difficulties led to the crime.
The prosecution told the court that Khera's offences came to light after a customer complained that her bank card and PIN had been fraudulently used after going missing in the post.
CCTV footage obtained by the Royal Mail of Khera using the stolen card at a Punjab National Bank (PNB) branch bank in Leicester revealed he was wearing a distinctive T-shirt that was evident on one of his Facebook pictures, leading to his arrest.