A flame-retardant polyester fabric was obtained by eco-friendly water-based polyurethane adhesive for coating, which was made of waterborne polyurethane and several flame retardants. It was found that the combination of Doher6206 and MCA is an effective flame retardant. The concentrations of the combination and polyurethane as well as the process conditions were optimized. The optimize result was gained while the cure temperature was 150°C, cure time was 3 min, coating width was 0.1mm and coating rate was 4.15 m/min. Because of the good performance in flame-retardant and eco-friendly, the flame-resistant polyester fabric has the potential to be used in the inner decoration of the car and the plane, curtain, and the inhibitor of baby car and so on.