The invention provides a network exchanging system and a method of chip credit card, when the chip credit card is inserted into a card reader, the card reader transfers a control signal to a computer, after a controlling and managing module for exchanging executed on the computer detects the control signal transferred from the card reader, the identification data on the chip credit card can be read through the card reader so as to identify the type of the chip credit card, after the database is compared, a card number, an expiry date and a data required for the network exchanging can be acquired from the chip credit card, the controlling and managing module for exchanging can be automatically filled into a credit card data column on the exchanging web page by an encrypting method so as to complete the exchanging operation of the credit card. User does not have to type the card number and other confidential data on the exchanging web page to avoid a Trojan program from recording such as keyboard recording and image recording as well as to prevent the credit card data from leaking.