In this study, biochar (BC) and hydrochar (HC) composites were synthesized with natural kaolinite clay and their properties, stability, carbon (C) sequestration potential, polycyclic aromatic hydrocarbons (PAHs) toxicity, and impacts on maize germination and growth were explored. Conocarpus waste was pretreated with 0%, 10%, and 20% kaolinite and pyrolyzed to produce BCs (BC, BCK10, and BCK20, respectively), while hydrothermalized to produce HCs (HC, HCK10, and HCK20, respectively). The synthesized materials were characterized using X-ray diffraction, scanning electron microscope analyses, Fourier transform infrared, thermogravimetric analysis, surface area, proximate analyses, and chemical analysis to investigate the distinction in physiochemical and structural characteristics. The BCs showed higher C contents (85.73–92.50%) as compared to HCs (58.81–61.11%). The BCs demonstrated a higher thermal stability, aromaticity, and C sequestration potential than HCs. Kaolinite enriched-BCs showed the highest cation exchange capacity than pristine BC (34.97% higher in BCK10 and 38.04% higher in BCK20 than pristine BC), while surface area was the highest in kaolinite composited HCs (202.8% higher in HCK10 and 190.2% higher in HCK20 than pristine HC). The recalcitrance index (R50) speculated a higher recalcitrance for BC, BCK10, and BCK20 (R50 > 0.7), minimal degradability for HCK10 and HCK20 (0.5 < R50 < 0.7), and higher degradability for biomass and HC (R50 < 0.5). Overall, increasing the kaolinite enrichment percentage significantly enhanced the thermal stability and C sequestration potential of charred materials, which may be attributed to changes in the structural arrangements. The ∑ total PAHs concentration in the synthesized materials were below the USEPA’s suggested limits, indicating their safe use as soil amendments. Germination indices reflected positive impacts of synthesized charred materials on maize germination and growth. Therefore, we propose that kaolinite-composited BCs and HCs could be considered as efficient and cost-effective soil amendments for improving plant growth.