I know this is coming very late but thought would just 'Reply' to the concern.
You can use Local Funds Transfer (LFT) option. It is a little delayed but the cheapest of all.
I'm, fairly new to Upwork and it has ben quite good so far. In the past 2 months I have worked for more than 250 hours and earned more than $1000 dollars so far. It is just the same as real life, where one needs to be professional and honest in your approach.
I got a few comments from my clients, saying that they are not comfortable working with Indians, because Indians have cheated them in the past. With one such client, I had a lot of problems initially but slowly I proved to him that he could trust me and now he trusts me fully. The common complaint is that Indians always delay hourly jobs in order to make money. I try to complete the jobs before the estimated time, and so i keep getting more and more work from the same clients and good reviews.
I would request all Indian freelancers, to be honest in thier dealings and not try to take advantage of the clients. If Indians keep cheating our clients, very soon noone will want to work with us.
Another advice is - do not be tempted by clients who say that they will pay you directly. If you accept payment outside upwork, your account will get banned. Upwork takes 10% of your earnings and I know that this can hurt, expecially if you have worked hard, but your earning history is visible to future clients and when they see that you have arned a lot you can easily get more jobs.
All the best in your Upwork journey. Lage raho