In this study, a novel visible-light-driven PCN-222/H3PW12O40/graphene oxide@cotton cloth (PCN-222/HPW/GO@Cot) photocatalytic platform was developed for efficient water sterilization and purification. PCN-222/HPW/GO ternary photocatalyst was prepared via one-pot solvothermal method, and anchored onto cotton cloth though catechol-amine reaction. By introducing HPW as the quasi-semiconductor co-catalyst and efficient electron trap, the photocatalytic activity of PCN-222 was boosted. Besides, the addition of GO further enhanced electron transfer capability and photothermal properties. PCN-222/HPW/GO@Cot exhibited significantly improved organic dye photodegradation and sterilization efficiencies compared to PCN-222 and PCN-222/HPW coated cotton cloths. It also maintained consistent organic dye removal efficiency over reuse cycles and retained high sterilization activity after repeated washings, indicating its remarkable durability and coating stability. The band positions and the enhanced photocatalytic/photothermal mechanisms were investigated in depth. This research suggests the great potential of PCN-222/HPW/GO@Cot photocatalytic platform for practical water purification and sterilization applications, and the potential to become multifunctional textiles.