The present disclosure provides a data transmission method and a terminal. The method includes respectively allocating, by a terminal, a first download range and a second download range to a first network interface card and a second network interface card according to an obtained download range of to-be-downloaded data; and if the terminal determines that when a preset download time arrives, the first network interface card completes downloading of the first download range and the second network interface card does not complete downloading of the second download range, performing, by the terminal, a first allocation operation at least once. This reduces download duration of to-be-downloaded data.