The invention discloses a mobile communication terminal and an incoming call management method. The mobile communication terminal comprises a master SIM card and an auxiliary SIM card. The method comprises the following steps: when receiving an incoming call to the auxiliary SIM card, determining whether the auxiliary SIM card is locked; if the auxiliary SIM card is locked, stopping responding to the incoming call, and waiting for receiving from a user an instruction of whether to send a prompt message to inform a caller for the incoming call; and when receiving from the user an instruction of sending a prompt message to inform the caller for the incoming call, transmitting a prompt message that is automatically generated by the system or manually edited by the user to the caller with the master SIM card.