Many studies have focused on performing variational-scale segmentation to represent various geographical objects in high-resolution remote-sensing images. However, it remains a significant challenge to select the most appropriate scales based on the geographical-distribution characteristics of ground objects. In this study, we propose a variational-scale multispectral remote-sensing image segmentation method using spectral indices. Real scenes in remote-sensing images contain different types of land cover with different scales. Therefore, it is difficult to segment images optimally based on the scales of different ground objects. To guarantee image segmentation of ground objects with their own scale information, spectral indices that can be used to enhance some types of land cover, such as green cover and water bodies, were introduced into marker generation for the watershed transformation. First, a vector field model was used to determine the gradient of a multispectral remote-sensing image, and a marker was generated from the gradient. Second, appropriate spectral indices were selected, and the kernel density estimation was used to generate spectral-index marker images based on the analysis of spectral indices. Third, a series of mathematical morphology operations were used to obtain a combined marker image from the gradient and the spectral index markers. Finally, the watershed transformation was used for image segmentation. In a segmentation experiment, an optimal threshold for the spectral-index-marker generation method was identified. Additionally, the influence of the scale parameter was analyzed in a segmentation experiment based on a five-subset dataset. The comparative results for the proposed method, the commonly used watershed segmentation method, and the multiresolution segmentation method demonstrate that the proposed method yielded multispectral remote-sensing images with much better performance than the other methods.