The invention discloses a flame-retardant single-faced velvet composite fabric, which comprises a flame-retardant surface layer and flame-retardant single-faced velvet. The fire-retardant surface layer is flame-retardant PVC artificial leather, phosphorus-containing flame-retardant polyurethane synthetic leather, or flame-retardant fabric prepared from a phosphorus-containing flame-retardant polyester polymer material, wherein the LOI is not less than 27%. The flame-retardant single-faced velvet is prepared from a phosphorus-containing flame-retardant polyester polymer material. Gram weight ofthe flame-retardant single-faced velvet is 150-450 g/m<2>, velvet height is 1-10 mm, and the LOI is not less than 27%. The composite fabric of the invention has good flame-retarding effect, comfortable and soft hand feeling, good resilience, wide application range and good dimensional stability. The composite fabric has characteristics of dry cloth, environmental protection, low smoke and low toxicity, low VOC, low atomization value, no odor, soft hand feeling, excellent flame retardant performance, high peeling strength, good resilience, comfortable hand feeling and good heat preservation. The composite fabric is applicable to seats, ceilings, door panels, safety seats, sofas, soft chairs and deck chairs for high-speed railway, bullet trains, suburban railway, coaches and cars.