Intra-urban surface water (IUSW) is an indispensable resource for urban living. Accurately acquiring and updating the distributions of IUSW resources is significant for human settlement environments and urban ecosystem services. High-resolution optical remote sensing data are used widely in the detailed monitoring of IUSW because of their characteristics of high resolution, large width, and high frequency. The lack of spectral information in high-resolution remote sensing data, however, has led to the IUSW misclassification problem, which is difficult to fully solve by relying only on spatial features. In addition, with an increasing abundance of water products, it is equally important to explore methods for using water products to further enhance the automatic acquisition of IUSW. In this study, we developed an automated urban surface-water area extraction method (AUSWAEM) to obtain accurate IUSW by fusing GaoFen-1 (GF-1) images, Landsat-8 Operational Land Imager (OLI) images, and GlobeLand30 products. First, we derived morphological large-area/small-area water indices to increase the salience of IUSW features. Then, we applied an adaptive segmentation model based on the GlobeLand30 product to obtain the initial results of IUSW. Finally, we constructed a decision-level fusion model based on expert knowledge to eliminate the problem of misclassification resulting from insufficient information from high-resolution remote sensing spectra and obtained the final IUSW results. We used a three-case study in China (i.e., Tianjin, Shanghai, and Guangzhou) to validate this method based on remotely sensed images, such as those from GF-1 and Landsat-8 OLI. We performed a comparative analysis of the results from the proposed method and the results from the normalized differential water index, with average kappa coefficients of 0.91 and 0.55, respectively, which indicated that the AUSWAEM improved the average kappa coefficient by 0.36 and obtained accurate spatial patterns of IUSW. Furthermore, the AUSWAEM displayed more stable and robust performance under different environmental conditions. Therefore, the AUSWAEM is a promising technique for extracting IUSW with more accurate and automated detection performance.