The invention relates to a low-temperature continuous-annealing interstitial-free atom cold-rolled steel plate and a production method thereof and belongs to the technical field of iron-based alloys. The production method of the cold-rolled steel plate comprises the following steps of: controlling the components of the cold-rolled steel plate in percentage by mass: 0.0005-0.0025% of C, less than or equal to 0.03% of Si, 0.05-0.15% of Mn, less than or equal to 0.015% of P, less than or equal to 0.01% of S, less than or equal to 0.0025% of O, less than or equal to 0.0025% of N, 0.015-0.050% of Al, 0.03-0.07% of Ti, and the balance of Fe and inevitable mixed elements; and meanwhile, controlling the continuous-annealing temperature of the cold-rolled steel plate to be 710-740 DEG C, and controlling the cold-rolling reduction ratio to be not less than 80%. According to the cold-rolled steel plate and the production method thereof, the reasonable chemical components and the suitable control of cold-rolling reduction are adopted, the recrystallization temperature is lowered, full-old-rolled microstructures are formed, and a lower continuous-annealing temperature can be adapted, so that the equipment cost and energy consumption are reduced, the control difficulty of a production process is reduced, the product defects and production accidents are avoided.