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I may be wrong, but generally you can use Visa card (but not at ATM card) as your credit card. You may want to try using your debit card first and if it doesn't you can drop by your favorite bank and get an instant prepaid credit card. Few years back, I got my credit card from ICICI Bank within 30 minutes.
 
Credit card is the one asked for payment. Better get one... It is very easy to get one these days. Make sure the credit limit on the card is at least the processing fee amount.
 
I dont have an Indian credit card. Will a UK bank issued debit card work ?
 
How difficult is it to get a credit card? I don't recollect anyone using debit card to pay the amount. Usually credit cards handle multi national currency exchange. so they prefer using it.
 
The CIC doesn't accept debit card, 3 days back I tried to pay by debit card, but it was failed. You must need credit card.