Fred2 wrote
Have her open a bank account then use transfer wise to top it up , Would not send a card from Australia
Definitely the best option. If you use your Australian bank to make the transfer you will get a dreadful exchange rate. If you open the Transferwise web site you can see immediately what the amount is that would arrive in the Bali bank account. From personal experience I can assure you that your Australian bank will effectively rob you with their exchange rates.