The invention discloses a printable waterborne polyurethane 3D golden oil or 3D ink. The 3D golden oil or 3D ink mainly includes the following components by mass percentage: waterborne polyurethane with film hardness of 65A-75A, a wetting agent, a slow drying agent, an anti-permeability agent, a leveling agent, a defoaming agent, a coupling agent, a pH regulator, a bactericide, deionized water, a color paste, and a thickening agent, etc. The golden oil or ink can be prepared into a coating on a textile surface directly through printing, the prepared coating has the advantages of strong stereo feel, good glossiness, easy stacking, no subsidence, soft handfeel, low temperature resistance, and good firmness, etc., and solves the problems of ink spreading, no blotting, cracking and other problems in existing printing ink.