Oh man, there's so many endless possibilities.
First off you can pretty much ask any time, but the longer into the conversation the more likely she will agree.
Always frame it as something harmless though.
"EWW, let's all get together and take a picture." you can go on with bs "That way we can see tomorrow how EFFED Up we were" or whatever.
I used to take pics at the clube all the time! Women LOVE to take pictures.
For the why part. Tell her you like to have pictures to remember the night by that's the most honest answer... then you could neg her "What you never take pictures with (random) people (you meet)?"
along those lines. I haven't encountered the why part yet so...

I can't tell you anything i've fieldtested.
I just grab the girl put my arm around her, shove the camera in someone's hand and say "take a picture".
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(I was saving it for marriage) - then pop went my cherry.
