The invention discloses flame-retardant automobile trim fabric composite and application thereof; the flame-retardant automobile trim fabric composite comprises basic flame-retardant automobile trim fabric, soft polyurethane foam sponge, and flame-retardant backing cloth, which are combined by means of flame compositing, hot-melt glue compositing or glue compositing. Limit oxygen index of each of the basic flame-retardant automobile trim fabric and the flame-retardant backing cloth exceed 32.0%, a difference between vertical combustion speeds of the basic flame-retardant automobile trim fabric and the flame-retardant backing cloth is not higher than 20 mm/min, and a difference between their horizontal combustion speeds is not higher than 20 mm/min. The flame-retardant automobile trim fabric composite has the advantages of environmental friendliness, low smoke and low toxicity, low VOCs (volatile organic compounds), low fogging value, zero peculiar odor, softness for touch, excellent flame retardancy, high peel strength, good elasticity, good antistatic property and the like, and is widely applicable to seats, safety seats, roofs, door plates and armrests for cars or passenger vehicles.