What kind of bank card is better to take to Nepal and India, whether to deposit US dollars or RMB in the card, and whether to take out rubles, RMB or US dollars at the local time?
American dollars are more popular there than rmb, so it's the most cost-effective to find a dealer to exchange them in a domestic China bank. You can bring some American dollars directly, which is enough to meet the general daily consumption. It's more convenient to use rupees for small consumption, and it's also recommended to exchange them at the domestic border. The exchange rates there are all relatively low, but it's not much difference. You can exchange them directly in American dollars there, and shop around more, and the exchange rates are different for each family. You can swipe visa or master credit card directly over there, and it is recommended to buy a large amount of money such as air tickets.