The invention discloses an application method of a large-capacity memory card as well as a mobile terminal. The method comprises the following steps: dividing the memory card into n logic memory cards; setting an address-mapping function of a bottom interface, wherein n is a rounding value of a quotient of M to N, M is the capacity of the memory card, N is the maximum capacity supported by the mobile terminal, and the address-mapping function is used for converting a logic memory card address and a memory card address; assigning independent file systems for each of the n logic memory cards; and mapping the operation of the logic memory cards into the operation of the memory card according to the address-mapping function and information in the file systems. The invention overcomes a limit of a system to the maximum capacity of the memory card, fully utilizes the capacity of the memory card and improves the user experience.