I don't think there's a crystal-clear, canonical distinction between the two terms.
In general I think cross-platform is used for something that is built once and runs across multiple platforms, like say JS code or something that runs on the JVM.
Whereas multiplatform is something that can be built directly for multiple platforms, such as linux ARM for linux, macOS ARM for macs, etc. The latter also includes JS, JVM, WASM, and Android (which from Kotlin's perspective is still JVM) which are themselves cross-platform targets.