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Let's go to tai with a map of Union Pay. What do you advise: to leave the principal amount of money on the cards and change-withdraw rubles in baht on the spot or to exchange in Russia for dollars and go with them?
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Make a second unionpei in another bank - for safety. If time is running out, unnamed. With you NZ in dollars, the rest on union-pei in rubles. Withdraw from an ATM to the maximum limit (30 thousand baht) in order to pay the commission to the ATM less often (220 baht)
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Up doesn't work adequately everywhere, I'd do it in half.
