Conductive fabrics have broad prospects in the field of wearable electronics, however, the stability in the use process still needs to be improved. Cotton fabric (CF) was grafted by condensation reaction γ- Mercaptopropyltrimethoxysilane (MPTS), and then silver particles were deposited by electroless plating to prepare cotton fabric electrode (Ag/M-CF). The surface square resistance of Ag/M-CF is as low as 0.04 Ω/sq, and it has good stability in many aspects (washing, stretching, bending and oxidation). After 200 washing cycles, the surface resistance is only 1.88 Ω/sq, which meets the actual application requirement; after 5% stretching, the surface square resistance is only 1.00 Ω/sq; after 3000 bending cycles, the surface square resistance of Ag/M-CF increases to 1.38 Ω/sq; after 9 weeks in constant temperature and humidity environment, the surface square resistance is only 0.50 Ω/sq; When Ag/M-CF before and after washing is implanted into smart clothing, the electrocardiogram (ECG) signal of human body in motion can be successfully captured, and the measured heart rate is almost the same. In addition, Ag/M-CF also has good mechanical properties and antibacterial properties.