The present invention relates to a ceramic-particle-exposed moisture-absorption fabric with flame retardant function, the ceramic-particle-exposed moisture-absorption fabric with flame retardant function includes an upper cotton cloth layer (1) and a lower cotton cloth layer (2), a base layer (5) is compounded on the upper cotton cloth layer, a moisture absorption layer (3) is arranged between the upper cotton cloth layer (1) and the lower cotton cloth layer (2), the moisture absorption layer (3) is woven from polyester fiber (3.1) and polyamide fiber (3.2) by blending, a polyamide fiber cross section (3.2.1) of the polyamide fiber is a pentagram, a groove (3.2.2) is formed between two adjacent angles of the pentagram, the surface of the upper cotton cloth layer (1) is coated with a layer of flame retardant coating (4). The base layer is made of a fabric, and the fabric comprises a bottom layer, a middle layer and a surface layer, the bottom layer and the surface layer are connected into one body by the middle layer, in the bottom layer and the surface layer, at least the surface layer is mesh cloth, part of ceramic particles are embedded within the mesh of the mesh cloth, and part of ceramic particles are exposed to the mesh cloth. The ceramic-particle-exposed moisture-absorption fabric with flame retardant function has low cost and good air permeability. The ceramic-particle-exposed moisture-absorption fabric with the flame retardant function has good health care effect, and makes people feel cool due to part of the ceramic particles are exposed.