A highly stable “tannin-anthocyanin conjugated” trifunctional active intelligent film was developed by incorporating bilberry anthocyanins (BA) as an indicator and tannin acids (TA) as a co-pigment into a sodium alginate-carrageenan polysaccharide matrix (SC-BA/TA). The doping of TA conferred outstanding antioxidant (DPPH scavenging rate > 90%) and antibacterial properties to the film, particularly effective against S. aureus. The SC-BA/TA films effectively blocked UV rays (close to 0%, effectively impeding most UVA, as well as nearly all UVC and UVB) within the range of 200–320 nm. The TA-BA co-pigment effect significantly improved the anthocyanins' storage and color stability (retention rate > 70% under UV and natural light conditions). TA forms conjugate with anthocyanins by π-π stacking and hydrogen bonding interactions with co-pigmentation rate increases of 10.5% and 11.0% for pH 2 and pH 3, respectively. The film exhibited good responsiveness to volatile amines within 4 min, and offered real-time monitoring of beef freshness, as indicated by visualizing color changes (from red to dark yellow color). Furthermore, the integration of the film's RGB value with beef quality via a smartphone App effectively reduces the variability in visual recognition among individuals. To sum up, composite films based on the “tannin-anthocyanin conjugate” approach hold great potential in the field of food freshness monitoring, opening new possibilities for the development of highly stable active smart packaging films.