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add_filter( 'woocommerce_available_payment_gateways', 'nabik_gateway_disable_for_shipping_rate' );
  
function nabik_gateway_disable_for_shipping_rate( $available_gateways ) {
   if ( ! is_admin() ) {
      $chosen_methods = WC()->session->get( 'chosen_shipping_methods' );
      $chosen_shipping = $chosen_methods[0];
      if ( isset( $available_gateways['cod'] ) && 0 === strpos( $chosen_shipping, 'local_pickup' ) ) {
         unset( $available_gateways['cod'] );
      }
   }
   return $available_gateways;
}