I will recommend you using the Payoneer's facility to transfer funds directly to your local bank.
DONOT use their debit card.
Instead, just use payoneer's bank details to transfer money from upwork to the ACH bank (For free ofcourse)
and then withdraw that amount to your local bank with only 2% deduction.
I am using it and its way better. I at least save Rs 1500 as compared to Upwork's wire transfer.
I hope this will help.