The reactive species-independent nature of cold plasma's electric field is pivotal in biomedical applications. This work proposes to connect the plasma fluid model and the asymptotic Smoluchowski model for electroporation, providing a unified framework to investigate the evolution of the electric field in the biological substrate and the multi-stage electroporation response of the human cell. Two common substrates with distinct dielectric properties, namely, the cultivation medium and epidermis, are selected to report three stages of ionization wave (IW)–substrate interaction. The three-stage streamer discharge dynamics (restrike, axial-radial transition, and radial expansion of IW) induce three-stage cell electroporation dynamics (slow charging, fast charging, and electroporation), though the two processes are asynchronous. Specifically, the inner membrane covered the cell nucleus with ultra-short charging time that undergoes only the first two discharge stages in both substrates. Whether the cell membrane is exposed to the third stage of discharge depends on the permittivity of the substrate. The asynchrony can be attributed to the difference in the charging time of the cell membranes and substrates affected by the substrate permittivity. The presented model can provide quantitative insights into the cell electroporation induced by the IW–substrate interaction and theoretical guidance for plasma biomedical applications.