With the emergence of conductive materials and the development of textile technologies, various wearable smart textiles have been created and their application has been greatly expanded. Among them, thermal textiles using thermal woven technology have been the subject of limited research but offer promising application potential. Unlike the traditional development procedure, the integrated design-driven strategy of thermal woven textiles mainly contains a yarn phase, fabric phase and apparel phase. This article introduces a design-driven approach to develop thermal functional garments for ready-to-wear collections applying thermal woven textiles. The fabric development procedure includes design, test, evaluation, simulation model setup and modification. The apparel development procedure aims to guide commercial production. Since there is almost no systematic guidance for thermal woven product development so far, this study will fill the gap and provide practical instruction.