Cardiac magnetic resonance imaging (CMR) enables assessment of cardiac anatomy, ventricular function, and myocardial tissue characteristics. Clinicians interpret these images by identifying cardiac structures and focusing on the regions relevant to each clinical question, motivating anatomically guided vision-language models (VLMs). Yet CMR-specific supervision for anatomical localisation and clinical question answering remains limited. To address this gap, we investigate fine-grained CMR visual question answering through anatomical grounding and guided attention. We construct 128,915 anatomical-grounding and 42,799 clinical QA pairs across short-axis cine, late gadolinium enhancement, and long-axis cine. These datasets support anatomical recognition, localisation, and clinical assessment without requiring paired reports for individual training images. To help the model learn where to look, we introduce Cardiac Anatomy-Routed Attention (CARA), which selects predicted anatomical priors according to the question and guides decoder attention with learned task-specific strengths. Combining anatomical grounding pretraining with CARA yields our model, CARA-VL. Experiments demonstrate CARA-VL's strengths in clinical assessment and regional localisation across CMR imaging settings, with promising generalization to an external clinical cohort. Together, our data and method provide a practical framework for studying and advancing cardiac visual understanding in VLMs. We will release the QA data derived from public datasets upon publication.

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