An automatic card-cutting apparatus provided with plural transfer rollers (5) to transfer paper (90), plural slitter heads (1) to cut the paper (90) in a transferring direction (X), and a lateral cutter portion (2) to cut the paper (90) in a lateral direction (Y) at right angles with the transferring direction (X) to conduct divisional cutting of the paper (90) into plural cards (C). Each of the plural slitter heads (1) is provided with a side head (1A) disposed as to be freely position-adjusted in the lateral direction to cut a side edge portion (91) of the paper (90) into belt shape, and a middle head (1B) having an upper blade (11) of disc and a pair of lower blades (12) each of which contacts each of left and right side edge portions (11d) of the upper blade (11), disposed as to be freely position-adjusted in the lateral direction to cut a longitudinal middle waste portion (92) of the paper (90) into belt shape.