If you only have 1 row in the table, the cardinality for the index should be 1, of course. It's just counting the number of unique values.
If you think of an index as a lookup-table based on buckets (like a hash), then the cardinality is the number of buckets.
Here's how it works: When you build an index over a set of columns (a,b,c,d)
, then the database goes over all the rows in the table, looking at the ordered quadruplets of those 4 columns, for each row. Let's say your table looks like this:
a b c d e
-- -- -- -- --
1 1 1 1 200
1 1 1 1 300
1 2 1 1 200
1 3 1 1 200
So what the database looks at is just the 4 columns (a,b,c,d):
a b c d
-- -- -- --
1 1 1 1
1 2 1 1
1 3 1 1
See that there are only 3 unique rows left? Those will become our buckets, but we'll get back to that. In reality, there's also a record id, or row identifier for each row in the table. So our original table looks like this:
(row id) a b c d e
-------- -- -- -- -- --
00000001 1 1 1 1 200
00000002 1 1 1 1 300
00000003 1 2 1 1 200
00000004 1 3 1 1 200
So when we look at only the 4 columns of (a,b,c,d), we're really looking also at the row id:
(row id) a b c d
-------- -- -- -- --
00000001 1 1 1 1
00000002 1 1 1 1
00000003 1 2 1 1
00000004 1 3 1 1
But we want to do lookup by (a,b,c,d) and not by row id, so we produce something like this:
(a,b,c,d) (row id)
--------- --------
1,1,1,1 00000001
1,1,1,1 00000002
1,2,1,1 00000003
1,3,1,1 00000004
And finally, we group all the row ids of rows that have identicle (a,b,c,d) values together:
(a,b,c,d) (row id)
--------- ---------------------
1,1,1,1 00000001 and 00000002
1,2,1,1 00000003
1,3,1,1 00000004
See that? The values of (a,b,c,d), which are (1,1,1,1) (1,2,1,1) and (1,3,1,1) have become keys for our lookup table into the rows of the original table.
Actually, none of this really happens, but it should give you a good idea on how a "naive" (i.e. straight-forward) implementation of an index might be done.
But the bottom line is this: cardinality just measures how many unique rows there are in an index. And in our example that was the number of keys in our lookup table, which was 3.
Hope that helps!