With the significant development of China's metro construction, the development of urban underground karst poses a serious threat to related tunnel construction and public safety, with frequent occurrences of mud and water inrushes during tunnel construction and urban ground subsidence events. Because of the complex, urban, and shallow geological conditions and construction environments, conventional geophysical methods cannot meet the requirements for high-precision detection of small-scale and inhomogeneous complex geological bodies. Based on numerical simulation, herein we comprehensively applied both cross-borehole electrical resistivity tomography (ERT) and cross-borehole seismic computed tomography (CT) to urban underground karst surveys of the Hangzhou-Fuyang intercity railway. The results showed that: 1) under limited urban construction conditions, the use of advanced geophysical monitoring equipment greatly improved construction efficiency; 2) utilizing drilling geological results to calibrate the abnormal geophysical field attribute parameters (including wave velocity and resistivity) improved the accuracy of karst exploration and reduce defective geophysical multi-explanation effects; 3) applying the joint comparative explanation of both velocity and resistivity profiles can distinguish and explain karst and fracture development zones; 4) 550 pairs of velocity and resistivity profiles were obtained which revealed 258 karst cave anomalies and 5 fracture development zones which integrated detection accuracy exceeded the 1 m level. Thus, the high-precision joint cross-borehole tomography technology was shown to be useful for guiding intercity railway construction.