A high-strength cold-rolled steel sheet has a chemical composition containing, by mass %, C: 0.15% or more and 0.30% or less, Si: 0.8% or more and 2.4% or less, Mn: 2.4% or more and 3.5% or less, P: 0.08% or less, S: 0.005% or less, Al: 0.01% or more and 0.08% or less, N: 0.010% or less, Ti: 0.002% or more and 0.05% or less, B: 0.0002% or more and 0.0050% or less, and the balance being Fe and inevitable impurities, a microstructure including ferrite having an average grain diameter of 3 μm or less and a volume fraction of 5% or less (including 0%), retained austenite having a volume fraction of 10% or more and 20% or less, martensite having an average grain diameter of 4 μm or less and a volume fraction of 20% or less (including 0%), and the balance including bainite and/or tempered martensite.