The invention discloses a fabric with excellent heat-insulation performance. The fabric comprises inner-layer cloth and base cloth. The base cloth is arranged on the upper side of the inner-layer cloth in a connected manner, outer-layer cloth is arranged on the upper side of the base cloth, duck down balls are arranged on the lower side of the outer-layer cloth, the base cloth is fixedly connectedwith the lower sides of the duck down balls and is connected with the upper outer-layer cloth by first sewing threads, fiber velvet is arranged on the lower side of the base cloth, the lower side ofthe fiber velvet is fixed to the upper surface of the inner-layer cloth, and the inner-layer cloth is connected with the upper base cloth by second sewing threads. The fabric with the excellent heat-insulation performance has the advantages that the fabric is of a three-layer structure, weaving threads are woven with one another to obtain the base cloth, and the base cloth is good in extensibilityand excellent in pull resistance; the fabric with bamboo charcoal limit is excellent in antibacterial activity; the fabric with the duck down balls and the fiber velvet is excellent in integral warmth retention property.