Physical loads and environmental actions have simultaneous effects on concrete in nature. An analytical method is proposed to detect the damage to concrete subjected to four-point flexure fatigue load and thermal hysteresis in freeze–thaw. The interaction of the two kinds of loads on the combined damage, in terms of a coefficient fD(T), is defined to characterise quantification. Damage is aggravated by the combined loads when fD(N)>1 as compared to isolated loading. The results show that increasing fD(N) is always seen in the freezing stage, since damage as a result of tensile stress only is being considered here. Moreover, a critical point above which the damage is aggravated by the combined loads is found by extrapolating the maximum values of fD(N) until fD(N)=1 at N = 380 000, that is close to the average life (N = 348 310) obtained from the experiments. This work provides a framework to explore the coupled effects on damage from physical loads and environmental actions.