Yadboro on the NSW Sth Coast - west of Ulladulla
Can't actually camp
on the water, but maximum walking distance would be 1.5min
SF, so allowed fire and pet(s), byo wood and drinking water. Single long drop, and crowded during the silly periods.
Great for swimmer's, and little one's are safe to have a splash around in sections to. Kayaks and canoeing also
Another vote for Joanna beach in Vic