A method and an apparatus for intelligent terrain identification, a vehicle-mounted terminal, and a vehicle are provided. The method includes acquiring an image of a preset driving range in a front driving region of a vehicle; extracting a feature of a road surface from the image, and determining a type of the road surface based on the extracted feature of the road surface, to cause the vehicle to select a corresponding driving strategy according to the type of the road surface. With the method for intelligent terrain identification, the vehicle can identify the type of the current road surface intelligently, and switch the driving strategy of the vehicle automatically according to the type of the road surface, thereby greatly improving convenience of an adaptation function of the vehicle to a terrain, improving driving experience, and reducing probability of safety risks.