Induced polarization (IP) method is one of the most widely used techniques in mineral exploration, hydrogeology, and environmental monitoring, becoming indispensable especially for metallic ore exploration. Topography of the surface and anisotropy of the subsurface plays an important role in the IP data interpretation and modelling leading to wrong resistivity and chargeability models if they are not considered. We developed a 3D IP forward modelling considering arbitrary anisotropy and topography using the finite element method (FEM). The newly developed algorithm is compared with the numerical solutions and analytical results for classical two-layer anisotropic models successfully. By using unstructured mesh to consider complex topography, we implement 3D IP forward modelling for arbitrary anisotropic medium under the condition of uneven terrain and investigate the effect of anisotropy and topography on IP data interpretation. Topography has a decreased or reinforcing effect on time-domain induced polarization (TDIP) response. Vertical transverse isotropic (VTI) medium has a tiny effect and can accurately locate the anomaly in the subsurface while tilted transverse isotropic (TTI) medium has a very large effect and cannot be explored. Under the comprehensive influence of complex topography and anisotropy with an angle larger than 30 degrees, it is very difficult to interpret TDIP results. The 3D inversion of the synthetic data derived by the 3D anisotropic chargeability model indicates that topography weakens the TDIP response. However, VTI anisotropic anomaly can be detected accurately in the horizontal direction, the TTI anisotropic anomaly is difficult to be explored.