It blooms between August and November producing inflorescences in groups to 6 to 21 in axillary racemes.

After flowering firmly papery to thinly leathery seed pods that are flat and straight to slightly curved form.

The hairy brown pods are 1.5 to 11.5 cm (0.59 to 4.53 in) in length and 4 to 6.5 mm (0.16 to 0.26 in) wide.

[2] Acacia cardiophylla is indigenous to central and southern New South Wales and is found Gilgandra in the north down to around Wagga Wagga in the south and extending to the Lake Cargelligo area in the west.

It is found on stony hills and ridges in shallow rocky sandy soils as a part of Eucalyptus woodland and mallee communities.