A terminal and a method for binding Subscriber Identification Module (SIM) cards are provided. During an initialization of a SIM card, the terminal sends a terminal profile command to inform related items of a SIM Tool Kit (STK) supported by the SIM card. The SIM card provides the SIM card related operator information to the terminal by actively reporting a proactive command or providing menu items. The terminal judges whether the SIM card operator information of the STK function matches with the SIM card operator information stored in the terminal or not, if they match, the terminal allows the user to normally use the terminal; otherwise or the STK function does not provide the SIM card related operator information, the terminal does not allow the user to normally use the terminal. Therefore, the purpose of locking cards by the terminal is realized with the STK function of the SIM card.