A method and system for implementing debit card service based on callback. The method is applied to a mobile terminal set with an automatic dialing function unit, automatic dialing function of the automatic dialing function unit is activated, and a number corresponding to the mobile terminal is bound with one debit card. The method includes the following steps: a preset callback access number is dialed before the called number by the automatic dialing function unit in the mobile terminal to connect the call to a debit card service platform when the mobile terminal calls the called number; the debit card service platform releases the call and calls back the mobile terminal; the called number is continued by the debit card service platform after the mobile terminal answers the callback; the debit card service based on callback is implemented.