1) Connect to the India Servers on your VPN. 2) Create a new account or change your country on your existing account with no premium (google it to find out how to do it). 3) Goto: promo.spotify.com/in/…al/ and see which one you would like. 4) Click on the one you want, and goto payment methods. 5) Select "Credit/Debit Card" and go through with the payment. 5.1) If you need a India Address, you can use this site here. 6) Enjoy your Spotify Premium! There is a risk that Spotify may delete your account, it is unlikely they would find out, but there is still a risk.
You can use card, but you will get transaction fees as it is a foreign country to the UK, if you was going to do it via card, I would recommend paying it through a annual renew subscription. This would make it £12.85 a year.