well, usually paypal has payment limitations... usually, US$100, if u wanna transfer more, u can upgrade your account with $2, and paypal will send to your credit card statement the upgrade code.. and once u entered the upgrade code, , u will get $2 deposit in your account and u can send quite alot of money, for me, i tried up to 500$ and didn't have a problem.. so, i think it's the same here in Australia...
so, all u need is browse around paypal, they will have links about upgrading your account, and read the help file, if it's one time payment and a few bucks, i think that's the one u need to enable as you are using credit card..
and for personal account, we all don't have to pay yearly or any fees at all, i only paid $2 upgrade fee which is deposited after i upgrade..
orelse, enter your bank details and transfer from your bank, that will take 3 or more working days to be deposited in your paypal balance..
hope that helps