The invention discloses a whitening and moisture-retention gel containing suspension essential oil droplets used for sensitive skin and a preparation method and an application thereof. The gel is composed of a water-phase thickening agent, grease, essential oil, a humectant, a fat-soluble whitening agent, a water-soluble whitening agent, an antiseptic and deionized water, and optional essence, andthe suspension droplets are formed by grease, essential oil and the fat-soluble whitening agent. The whitening and moisture-retention gel has four effects of smoothing, moisture retention, nourishingand whitening; the whitening and moisture-retention gel has safe component and does not contain an emulsifier, greatly reduces the skin stimulation risk for population with sensitive skin while in use, and has the advantages of safety and low stimulation.