[Oxigen USA website][1] does the job with EXACT $ to ₹ exchange rate and zero fees. None. Zilch.

Accepted my EU debit card for an Indian mobile phone bill payment.

Small downside: my EU bank fee for converting € to $.<br/>
Fee can be avoided if you have a bank account with new age startup banks like [Monzo][2] (£), [N26][3] (€) or [Revolut][4] (€).


  [1]: https://oxigenusa.com/
  [2]: https://monzo.com/
  [3]: https://n26.com/
  [4]: https://revolut.com/