The invention aims to develop a polyacid-based metal organic framework crystal material with an intercalation structure, which effectively overcomes the technical bottlenecks that a simple polyacid material is wide in band gap (3 eV), can only absorb ultraviolet light, is soluble in water, and has a recover rate, and the like. Special intercalation structure characteristics of the material are utilized to improve the electron storage capacity of polyacid as an electron acceptor, accelerate the separation of catalytic photo-generated carriers, enhance the photocatalytic efficiency of a catalyst, and expand the spectral absorption range to visible light. The chemical formula of the polyacid-based metal organic framework crystal material with the intercalation structure is designed and developed as [CuI2CuII5(ptz)6(OH)2(4H2O)GeW12O40].6H2O. A method for preparing the material comprises the following steps: dissolving germanium tungstate, copper chloride and 5-(pyridine-2-yl)tetrazole organic ligand into deionized water to obtain a reaction solution, adjusting a pH value, and then reacting at a temperature of 160 DEG C for 3 days. . The metal organic framework crystal material with thepolyacid-based intercalation structure having visible light catalytic properties can be obtained.