Universal printed circuit board and memory card including the same

PURPOSE: A universal PCB(Printed Circuit Board) and a memory card including the same are provided to reduce a test and development period of the memory card by using the PCB regardless of an embedded semiconductor chip. CONSTITUTION: A universal PCB includes a second pad group(133) connected with a first pad group(131) through a PCB wire. A first semiconductor chip(110) is connected with a pad of the first pad group through first wire connection. A second semiconductor chip(120) is connected with a pad of the second group through second wire connection. The first and the second wire connection are adjusted without changes of the PCB wire according to the combination of the first and the second semiconductor chips in order to be packaged. The first pad group includes a power pad, an external signal connecting pad providing a signal of a host, and a rearranging pad connecting the PCB wire with chip pads of the first semiconductor chip.