Disclosed in the present invention are a program download method for an intelligent terminal and an intelligent terminal. The program download method for an intelligent terminal comprises the following steps: identifying a memory card identifier of an intelligent terminal, the memory card identifier being used for representing the type of a memory card of the intelligent terminal; obtaining a target configuration file, the target configuration file being a configuration file corresponding to the memory card identifier; and downloading the target configuration file to the intelligent terminal. In the present invention, the type of the memory card of the intelligent terminal can be automatically identified, such that the corresponding target configuration file is automatically obtained according to the type of the memory card so as to configure the intelligent terminal, and thus, the intelligent terminal can normally access the memory card. This solution achieves effective and accurate download configuration.