The invention discloses a skin care product with whitening, moisturizing and anti-aging effects and a preparation method and application thereof. The skin care product contains natural plant extracts,wherein the natural plant extracts include, by weight, the following raw materials: 5-10 parts of ginseng extract, 1-5 parts of felwort extract, 5-10 parts of pyracantha fortuneana extract, 1-5 partsof motherwort extract and 3-5 parts of olygonatum odoratum extract. The ginseng extract, the felwort extract, the pyracantha fortuneana extract, the motherwort extract and the polygonatum odoratum extract are used through reasonable compatibility and are supplemented with common matrix components of cosmetics, such as emulsifiers, emollients, moisturizers, thickeners, preservatives and the like to prepare the skin care product with whitening, moisturizing and anti-aging effects. The natural plant extracts not only improve the whitening, moisturizing and anti-aging effects of the product, theproduct is also endowed with a certain bacteriostatic effect, the dosage of a preservative can be appropriately decreased, and the safety of the product is improved.