I indicate blocks in a matrix using \hline:
\documentclass{article}
\usepackage{amsmath}
\begin{document}
\begin{equation*}
\begin{bmatrix}
a & b\\
\hline
c & d
\end{bmatrix}
\end{equation*}
\end{document}
\endinput

However, for normal point sizes the document is generated in (11pt), the rule drawn crosses over the matrix borders. (For poster sizes, this is not the case.)
How can I shorten the rule on both sides so that this does not occur, while still preserving the vertical spacing provided by \hline?

