An intelligent dialing method and a terminal are provided by the present invention. The method includes: a terminal receiving a called number input by a user and inquiring home location information of the called number; obtaining home location information of a local host number and information of a telecommunication operator to which the local host number belongs; determining a call type of this call according to the home location information of the called number and the home location information of the local host number; extracting a dialing prefix corresponding to the telecommunication operator to which the local host number belongs and the call type according to corresponding relationship information among a stored dialing prefix with the telecommunication operator and the call type; and combining the extracted dialing prefix with the called number into a target number to make the call.