The result sees Luton lying in 15th place, equidistant between the play-off places and the relegation zone, ahead of this weekend's eagerly-anticipated trip to Stoke City.
Speaking after the Cardiff game, Hatters boss Nathan Jones revealed: "I’m disappointed, I thought first half we were very good, we matched them all over, had the best chance with Collo (James Collins), then we had to reshuffle completely.
"That derailed us a little bit, as pulling Glen (Rea) out of the centre of the park (due to an injury-enforced reshuffle) was a big thing, because as he gives us that discipline and arguably their most talented player (Harry Wilson) is in there.
"Our three midfield players vacated the area for that, they were able to have knock down without anyone around him and then he scores from 25 yards, so I'm disappointed with the first goal.”
Here are today's biggest transfer stories and the latest team news involving Luton Town and the rest of the Championship, ahead of another action-packed weekend of second-tier football:
1. Terriers loanee up for grabs this summer
Huddersfield loanee Joel Pereira is set to be up for grabs this summer, with Manchester United ready to let the ex-Portugal U21 leave upon the expiry of his contract. He's played just three times for the Red Devils, after making his debut in 2017. (MEN) Photo: Victor Decolongon
2. Watford appeal over Gueye controversy
Watford are believed to have filed an appeal to FIFA over the transfer of midfielder Pape Gueye to Marseille, as they contend the player had already agreed terms with the Hornets before heading to Ligue 1. (Sport Witness) Photo: ROMAIN PERROCHEAU
3. Gers' Ofoborh decision explained
Rangers are said to have opted against bringing in new signing Nnamdi Ofoborh straight away last month, instead deciding to allow the player to join Wycombe Wanderers on loan so as to continue his development in the Championship. (Football Insider) Photo: Alex Pantling
4. Pearson reveals step up in standard at new club
Bournemouth new boy Ben Pearson has revealed it took him time to get used to the "difference in standard" following his move from Preston North End, but has taken the challenge in his stride and is eager to get more game time under his belt. (Club website) Photo: Alex Pantling