A method and an apparatus for invoking a radio frequency card function are provided. The method includes: monitoring a feature input event, and obtaining feature information of a user from the feature input event obtained through monitoring; determining, based on a mapping relationship between the feature information and a radio frequency card type, a target radio frequency card type corresponding to the feature information of the user; and invoking a radio frequency card function corresponding to the target radio frequency card type. According to the method, different radio frequency card types may be distinguished based on the feature information of the user, so that the radio frequency card function corresponding to the target radio frequency card type corresponding to the feature information of the user can be invoked based on the feature information of the user. This further improves a card swiping success rate and improves user experience.