Fusarium toxins, as significant pollutants threatening global food security, have garnered increasing attention due to their mixed contamination issues. Among them, the co-contamination rate of Zearalenone (ZEN) and Fumonisin B (FB) in grains reaches up to 37.6%, and both exhibit synergistic toxicity, are difficult to remove, and pose serious threats to animal and human health. Therefore, developing rapid and sensitive multi-target detection technologies is of great importance. However, traditional colloidal gold-based colorimetric immunochromatographic assay (ICA) for multi-detection suffers from drawbacks such as signal overlap and insufficient sensitivity. In this study, we synthesized a signal probe Zr-MOF@PtNPs by leveraging the high molar extinction coefficient of PtNPs and the high specific surface area of Zr-MOFs. Zr-MOF stabilizes and disperses PtNPs, enabling them to exhibit excellent colorimetric performance with superior recognition under different light backgrounds, significantly enhancing the detection sensitivity and anti-background interference capability of traditional multi-detection colorimetric ICA. In this research, a dual immunochromatographic method using Zr-MOF@PtNPs as signal labels was established for the simultaneous detection of ZEN and FB in corn, which is simple to operate and achieves detection ranges of 0.15–5 ng/mL for ZEN and 0.6–10 ng/mL for FB, with LODs of 0.27 ng/mL and 0.21 ng/mL, respectively. This improves the detection sensitivity of multi-detection colorimetric immunochromatographic assay strips for synchronous detection of ZEN and FB, providing new methodological support for the simultaneous detection of multiple mycotoxins.