The predominant smart card ownership model is the issuer centric, and it has played a vital role in the proliferation of the technology. However, recent developments of multi-application smart card technology lead to new potential ownership models. One of the possible models is the User Centric Smart Card Ownership Model. In this model, the ownership is with smart card users. To support user's ownership, we require a framework that can assist cardholders to manage applications on their smart cards. In this paper, we present such a framework for managing application securely on a smart card.