diff --git a/sw/source/core/text/EnhancedPDFExportHelper.cxx b/sw/source/core/text/EnhancedPDFExportHelper.cxx
index 59f7ef16b86c..d65f46064005 100644
--- a/sw/source/core/text/EnhancedPDFExportHelper.cxx
+++ b/sw/source/core/text/EnhancedPDFExportHelper.cxx
@@ -444,6 +444,8 @@ bool lcl_TryMoveToNonHiddenField(SwEditShell& rShell, const SwTextNode& rNd, con
     ::std::vector<SwRect> ret;
     SwRects rects;
     rShell.GetLayout()->CalcFrameRects(*rShell.GetCursor_(), rects, SwRootFrame::RectsMode::NoAnchoredFlys);
+    auto const [pStart, pEnd] = rShell.GetCursor_()->StartEnd();
+
     for (SwRect const& rRect : rects)
     {
         Point center(rRect.Center());
@@ -451,8 +453,10 @@ bool lcl_TryMoveToNonHiddenField(SwEditShell& rShell, const SwTextNode& rNd, con
         SwCursorMoveState cms(CursorMoveState::NONE);
         cms.m_pSpecialPos = &special;
         cms.m_bFieldInfo = true;
+        // the centre of a one-glyph rectangle falls in that glyph's second half, so the hit
+        // test below returns the character that contains the point
+        cms.m_bPosMatchesBounds = true;
         SwPosition pos(rShell.GetDoc()->GetNodes());
-        auto const [pStart, pEnd] = rShell.GetCursor_()->StartEnd();
         if (rShell.GetLayout()->GetModelPositionForViewPoint(&pos, center, &cms)
             && *pStart <= pos && pos <= *pEnd)
         {
diff --git a/vcl/qa/cppunit/pdfexport/pdfexport2.cxx b/vcl/qa/cppunit/pdfexport/pdfexport2.cxx
index be08bb47a7eb..58b238adb029 100644
--- a/vcl/qa/cppunit/pdfexport/pdfexport2.cxx
+++ b/vcl/qa/cppunit/pdfexport/pdfexport2.cxx
@@ -20,16 +20,24 @@
 #include <com/sun/star/beans/XPropertySet.hpp>
 #include <com/sun/star/drawing/XShape.hpp>
 #include <com/sun/star/text/XTextDocument.hpp>
+#include <com/sun/star/text/XTextField.hpp>
+#include <com/sun/star/text/ControlCharacter.hpp>
+#include <com/sun/star/text/ReferenceFieldPart.hpp>
+#include <com/sun/star/text/ReferenceFieldSource.hpp>
+#include <com/sun/star/container/XNamed.hpp>
 #include <com/sun/star/document/XFilter.hpp>
 #include <com/sun/star/document/XExporter.hpp>
 #include <com/sun/star/io/XOutputStream.hpp>
 
 #include <comphelper/scopeguard.hxx>
 #include <comphelper/propertysequence.hxx>
+#include <comphelper/scopeguard.hxx>
 #include <comphelper/sequenceashashmap.hxx>
 #include <basegfx/vector/b2dsize.hxx>
 #include <unotools/tempfile.hxx>
 #include <vcl/filter/pdfdocument.hxx>
+#include <vcl/settings.hxx>
+#include <vcl/svapp.hxx>
 #include <tools/zcodec.hxx>
 #include <vcl/graphicfilter.hxx>
 #include <basegfx/matrix/b2dhommatrix.hxx>
@@ -511,6 +519,124 @@ CPPUNIT_TEST_FIXTURE(PdfExportTest2, testTocLink)
     CPPUNIT_ASSERT(pPdfPage->hasLinks());
 }
 
+// Inserts three cross-reference fields to a one-digit bookmark target, separated only by
+// ", ", the way consecutive caption numbers are.
+void lcl_insertAdjacentReferenceFields(const uno::Reference<lang::XComponent>& xComponent,
+                                       float fCharHeight)
+{
+    uno::Reference<text::XTextDocument> xTextDocument(xComponent, uno::UNO_QUERY);
+    uno::Reference<text::XText> xText = xTextDocument->getText();
+    uno::Reference<text::XTextCursor> xCursor = xText->createTextCursor();
+    uno::Reference<lang::XMultiServiceFactory> xFactory(xComponent, uno::UNO_QUERY);
+    uno::Reference<beans::XPropertySet> xCursorProps(xCursor, uno::UNO_QUERY);
+    xCursorProps->setPropertyValue(u"CharHeight"_ustr, uno::Any(fCharHeight));
+
+    xText->insertString(xCursor, u"1"_ustr, /*bAbsorb=*/false);
+    xCursor->goLeft(1, /*bExpand=*/true);
+    uno::Reference<text::XTextContent> xBookmark(
+        xFactory->createInstance(u"com.sun.star.text.Bookmark"_ustr), uno::UNO_QUERY);
+    uno::Reference<container::XNamed> xBookmarkName(xBookmark, uno::UNO_QUERY);
+    xBookmarkName->setName(u"Target"_ustr);
+    xText->insertTextContent(xCursor, xBookmark, /*bAbsorb=*/true);
+
+    xCursor->gotoEnd(/*bExpand=*/false);
+    xText->insertControlCharacter(xCursor, text::ControlCharacter::PARAGRAPH_BREAK,
+                                  /*bAbsorb=*/false);
+
+    auto insertReferenceField = [&]() {
+        xCursor->gotoEnd(/*bExpand=*/false);
+        uno::Reference<text::XTextField> xField(
+            xFactory->createInstance(u"com.sun.star.text.TextField.GetReference"_ustr),
+            uno::UNO_QUERY);
+        uno::Reference<beans::XPropertySet> xFieldProps(xField, uno::UNO_QUERY);
+        xFieldProps->setPropertyValue(u"ReferenceFieldSource"_ustr,
+                                      uno::Any(sal_Int16(text::ReferenceFieldSource::BOOKMARK)));
+        xFieldProps->setPropertyValue(u"ReferenceFieldPart"_ustr,
+                                      uno::Any(sal_Int16(text::ReferenceFieldPart::TEXT)));
+        xFieldProps->setPropertyValue(u"SourceName"_ustr, uno::Any(u"Target"_ustr));
+        xField->attach(xCursor);
+    };
+
+    insertReferenceField();
+    xCursor->gotoEnd(/*bExpand=*/false);
+    xText->insertString(xCursor, u", "_ustr, /*bAbsorb=*/false);
+    insertReferenceField();
+    xCursor->gotoEnd(/*bExpand=*/false);
+    xText->insertString(xCursor, u", "_ustr, /*bAbsorb=*/false);
+    insertReferenceField();
+}
+
+int lcl_countAnnotations(const std::unique_ptr<vcl::pdf::PDFiumDocument>& pPdfDocument)
+{
+    std::unique_ptr<vcl::pdf::PDFiumPage> pPdfPage = pPdfDocument->openPage(/*nIndex=*/0);
+    CPPUNIT_ASSERT(pPdfPage);
+    return pPdfPage->getAnnotationCount();
+}
+
+CPPUNIT_TEST_FIXTURE(PdfExportTest2, testAdjacentReferenceFieldLinks_12)
+{
+    // Every one of three adjacent one-digit cross-reference fields gets its own clickable
+    // area in the exported PDF, at every font size.
+    loadFromURL(u"private:factory/swriter"_ustr);
+    lcl_insertAdjacentReferenceFields(mxComponent, 12.0f);
+
+    save(TestFilter::PDF_WRITER);
+
+    OString aMessage("font size " + OString::number(12.0f));
+    CPPUNIT_ASSERT_EQUAL_MESSAGE(
+        aMessage.getStr(), 3, lcl_countAnnotations(parsePDFExport(vcl::pdf::PDFiumLibrary::get())));
+}
+
+CPPUNIT_TEST_FIXTURE(PdfExportTest2, testAdjacentReferenceFieldLinks_10)
+{
+    // Every one of three adjacent one-digit cross-reference fields gets its own clickable
+    // area in the exported PDF, at every font size.
+    loadFromURL(u"private:factory/swriter"_ustr);
+    lcl_insertAdjacentReferenceFields(mxComponent, 10.0f);
+
+    save(TestFilter::PDF_WRITER);
+
+    OString aMessage("font size " + OString::number(10.0f));
+    CPPUNIT_ASSERT_EQUAL_MESSAGE(
+        aMessage.getStr(), 3, lcl_countAnnotations(parsePDFExport(vcl::pdf::PDFiumLibrary::get())));
+}
+
+CPPUNIT_TEST_FIXTURE(PdfExportTest2, testAdjacentReferenceFieldLinks_8)
+{
+    // Every one of three adjacent one-digit cross-reference fields gets its own clickable
+    // area in the exported PDF, at every font size.
+    loadFromURL(u"private:factory/swriter"_ustr);
+    lcl_insertAdjacentReferenceFields(mxComponent, 8.0f);
+
+    save(TestFilter::PDF_WRITER);
+
+    OString aMessage("font size " + OString::number(8.0f));
+    CPPUNIT_ASSERT_EQUAL_MESSAGE(
+        aMessage.getStr(), 3, lcl_countAnnotations(parsePDFExport(vcl::pdf::PDFiumLibrary::get())));
+}
+
+CPPUNIT_TEST_FIXTURE(PdfExportTest2, testAdjacentReferenceFieldLinksWideCaret)
+{
+    // The width of the text caret is a desktop setting, and can be set wider than a small
+    // glyph. The clickable areas stay independent of it.
+    AllSettings aOldSettings(Application::GetSettings());
+    comphelper::ScopeGuard aSettingsGuard(
+        [&aOldSettings] { Application::SetSettings(aOldSettings); });
+    AllSettings aSettings(aOldSettings);
+    StyleSettings aStyleSettings(aSettings.GetStyleSettings());
+    // 6 pixels is 90 twips at 96 dots per inch, wider than an 8 point digit.
+    aStyleSettings.SetCursorSize(6);
+    aSettings.SetStyleSettings(aStyleSettings);
+    Application::SetSettings(aSettings);
+
+    loadFromURL(u"private:factory/swriter"_ustr);
+    lcl_insertAdjacentReferenceFields(mxComponent, 8.0f);
+
+    save(TestFilter::PDF_WRITER);
+
+    CPPUNIT_ASSERT_EQUAL(3, lcl_countAnnotations(parsePDFExport(vcl::pdf::PDFiumLibrary::get())));
+}
+
 CPPUNIT_TEST_FIXTURE(PdfExportTest2, testReduceSmallImage)
 {
     // Load the Writer document.