A transaction card has a 3D printing graphic surface and a card base. The card base comprises in order from top to bottom: a front protective film layer, a front substrate layer, an intermediate INLAY layer, a back substrate layer, a back printing graphic layer, and a back protective film layer. The upper surface of the front protective film layer is adhered with a 3D printing graphic layer with a height of 0.05-0.46 mm. The transaction card is uniquely designed with a 3D printing graphic effect incorporated in the card surfaces, therefore the overall quality of the card is improved, allowing the transaction card to be widely used in financial, transport, social security, medical care, schools, security service and other fields.