A high-strength cold-rolled steel sheet includes, by mass%, C: 0.10% to 0.40%, Mn: 0.5% to 4.0%, Si: 0.005% to 2.5%, Al: 0.005% to 2.5%, Cr: 0% to 1.0%, and a balance of iron and inevitable impurities, in which an amount of P is limited to 0.05% or less, an amount of S is limited to 0.02% or less, an amount ofN is limited to 0.006% or less, the microstructure includes 2% to 30% of retained austenite by area percentage, martensite is limited to 20% or less by area percentage in the microstructure, an average particle size of cementite is 0.01 µm to 1 µm, and 30% to 100% of the cementite has an aspect ratio of 1 to 3.