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Try restarting the car (hold down both steering wheel buttons for a second). Also try rebooting the Tesla app by logging in and out. If it still doesn’t work, take it in to a service center, this is not a common bug.
 
Ive been having this issue too.

The car would recognize my phone enough to let me in (even shows as my phone being connected).. but refuse to turn on without the card.

If you put your phone in airplane mode... give it 15 seconds.. then take it out of airplane mode.. then your issue will be resolved.