Hi Steve,
A CSV table formatted like this
ra,dec,gmag,rmag,imag
175.215070742307,-38.4897863179213,24.8592,24.1487,23.7685
175.241595469141,-38.4163769993698,25.0973,24.3579,24.4063
175.25128999751,-38.4393292753547,25.0834,24.6118,24.01
should work. This looks like your 2nd version. Note the there can be any number of columns, and ra + dec need not be named "ra", "dec" (the web crossmatch will ask you which columns are in fact RA and Dec), and the order of columns is also not important).
What is the problem you are encountering? It won't let you upload the file? Crossmatch fails?
Thanks,
Robert