I think the fingerprint thing is for when you want to remotely start the car, like when someone locked the card in the car and gives you a call to open and start it. Normally that requires a PIN, but a fingerprint works on the phones that can do it. Not required if you're standing near the car with a phone enabled as a key.
By the way, the card would be able to start the car... So I think the scenario you describe would be more like you got a call from someone saying "please move your car", and you say "just hop in and move it for me... I am going to remote unlock it and remote start it for you..." To let someone drive with no card at all.