A mobile card service method utilizing an HCE, and a mobile terminal applying the same are provided. A mobile card service method according to an embodiment of the present invention comprises: receiving mobile card information in which a monetary value can be stored; and storing the mobile card information in a storage place of a mobile terminal using a card emulation function provided by an OS of the mobile terminal. Accordingly, a mobile card can be securely stored in the mobile terminal even without a separate SE.