Can I say 'actual indians' to a native girl?
What is your reason for saying that to a native girl? It seems too intentional to me.
I just want to see if she understands what I mean.
If you are attempting to be disrespectful then this is not a good idea. If you want to find out how someone would react when having this said to them then you are better off googling what the term means and if it is offensive.
Lolz. I just wanted to make fun out of it.
I know that's your end goal, but you really should consider how it would feel for the native person. Cultures and races should not be made fun of for personal amusement, because not everyone is cool about it. You might think it's funny but others might not and you will be laughing by yourself.