A mobile communication terminal includes a first SIM card, a second SIM card, a surfing detecting module, a bandwidth detecting module, and a control module. The first SIM card uses a first payment mode to pay for surfing the Internet according to bandwidth used. The second SIM card uses a second payment mode to pay for surfing the Internet according to time used. The surfing detecting module detects whether the mobile communication terminal is connected to the Internet. The bandwidth detecting module detects the bandwidth used. The control module enables one of the first and the second SIM cards according to the bandwidth used.