A card-cutting apparatus, provided with a lateral cutter portion to cut paper in a lateral direction at right angles with a transferring direction and plural slitter heads to cut the paper in the transferring direction, to conduct divisional cutting of the paper into plural cards in which the plural slitter heads are disposed in a row along a guiding rod set in the lateral direction as to be freely position-adjusted in lateral direction by manual work, a gauge plate, for positioning of the plural slitter heads on predetermined positions in the lateral direction as to cut the paper with a predetermined card cutting lateral dimension, is provided, and the gauge plate is selected from plural kinds having different card cutting lateral dimensions to be used.