Rapid urbanization in South Asian cities has triggered significant changes in land use and land cover (LULC), degrading natural biophysical components and intensifying urban heat islands (UHIs). This study investigated the impact of LULC changes on land surface temperature (LST) and the role of biophysical indicators in enhancing urban resilience to thermal extremes. We used Landsat satellite imageries from 1993 to 2023, conducted a comprehensive analysis of LULC changes, and estimated LST variations at 6-year intervals in the Dhaka, Gazipur, and Narayanganj districts in Bangladesh. Afterward, we performed statistical analysis upon employing correlation, regression, and principal component analysis (PCA) techniques to summarize information. The results reveal that 339.13 km2 worth of urban expansion has occurred in last 30 years, with an average annual growth rate of 3.5%, accompanied by a substantial reduction in water bodies (−139.17 km2) and vegetation cover. Consequently, summer temperatures exceeded approximately 36.52 °C in dense urban areas. Also, the results highlighted the strong influence of built-up areas (BSI and SAVI) on LST, while vegetation (NDVI) and water indices (NDWI) exhibited a negative association. The findings emphasize the urgency of integrating green infrastructure and deploying sustainable urban planning policies to mitigate the potential adverse impacts of scattered urbanization in the face of climate change.