What is the most efficient way of adding funds to Trust Wallet/Phantom

I tried buying from binance and then sending it to Trust Wallet, but binance is like too expensive in P2P, I get 880 Rs worth of crypto when I pay 1000. And my SBI Visa card doesn't work in binance. Is moonpay a good option? Or does it cost a lot of fees. And is sushiswap a safe exchange?