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Advise me to open a Union Pay card in rubles, dollars or yuan?
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Based on considerations of personal convenience and benefit.
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Depending on what salary you get. I opened it in yuan and now I'm suffering, because it's impossible to transfer rubles to the UP CNY card.
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If you don't go for a long time, then you don't have to worry and open in rubles. In dollars, as far as I know, from the same MTS bank - you need to make a premium tariff, and for this you need to either keep a large amount on the account permanently or pay 5k rubles per month for service. In rubles - none of this is necessary.