Hi,
I had the same problem, didn't have credit card and needed to pay visa fee, but there is avery easy way:
1-give your details to your friend in Australia : name and family, DOB, visa subclass and fee
2-ask you friend to call to 131881 ( call early in the morning, 9am and better from a landline as it takes time (around 10-20 min)
3- when finally could catch the operator, tell them you need to pay visa fee, so they need the debit card info ( number, exp date and email add) and then charge it immediately and will send you the receipt ,
4-print the recipt or email it to embassy
5- good luck
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