The invention relates to an automatic card inserting device and method for detecting an electric energy meter, relating to an automatic card inserting device and method. At present, the functions, such as presetting and zero clearing of parameters of an electric energy meter, local secret key downloading, and the like, of an intelligent electric energy meter are fulfilled by inserting, extracting and replacing a card manually, therefore labor intensity is high, time and energy are wasted, efficiency is lower, and error possibility is higher. The automatic card inserting device is characterized by comprising a master control computer, a master control module and an analog card, wherein the master control module comprises a singlechip, a switching unit, a plurality of card slots and functional cards, wherein the switching unit is connected with an I/O (Input/Output) port of the singlechip, the plurality of card slots are connected with the switching unit, and the functional cards correspond to the card slots; the master control module is connected with the analog card in a communication way through a data line; and the master control computer is provided with a card reading module, an analog card contact judgment module and an automatic card replacement control module. The invention realizes the full-automatic operation without inserting, extracting and replacing the card manually, so that the manpower is decreased and the work efficiency, the reliability and the personal safety of workers are enhanced.