The invention relates to a self-service terminal and an intelligent witness identification self-service card-issuing system and method applying the same. According to the system, account opening, account cancellation and loss reporting application information is filled for clients through the self-service terminal, the self-service terminal receives the account opening, account cancellation and loss reporting application information of the clients to be connected with a background data service center so as to perform identity verification, issues card containing card number information to the account opening clients, or cancels cards for card cancellation clients and recycles the cards, or performs loss reporting processing for the loss reporting clients and reissues news cards to the clients. The intelligent witness identification self-service card-issuing system can be used for account opening, account cancellation and loss reporting operation according to cards of different types, not only reduces workload and manpower for business processing, but also saves time for consumers, improves business processing efficiency, and is convenient and swift. Simultaneously, the cancelled cards can be recycled in the card cancellation business process, resource waste is reduced, and personal information safety in card using is also guaranteed.