The invention relates to the field of commodities, specifically to a moisture-retaining whitening face cream. The moisture-retaining whitening face cream comprises the following substances by weight: 5 to 8 parts of glycerin, 3 to 5 parts of aloe essence, 5 to 8 parts of green tea seed oil, 8 to 15 parts of pearl powder, 3 to 5 parts of vitamin E acetate, 2 to 5 parts of lecithin wax, 5 to 8 parts of candelilla wax, 8 to 15 parts of refined shea butter, 8 to 20 parts of refined coconut oil, 3 to 8 parts of vitamin B, 1 to 5 parts of stearoxyl trimethyl silane, 3 to 15 parts of hyaluronic acid, 5 to 15 parts of micro walnut powder, 5 to 8 parts of alga extract, 8 to 15 parts of molecular distillation monostearin, 10 to 15 parts of olive oil, 3 to 8 parts of arbutin and 3 to 8 parts of squalane. The moisture-retaining whitening face cream provided by the invention is rich in abundant vitamins, protein and collagen, can effectively retain moisture, supplement water and soften cutin, and is capable of promoting metabolism, activating skin cells, improving blood circulation and accelerating melanin decomposition and excretion, thereby reducing deposition skin pigment and whitening the skin.