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I tried upgrading the ROMMON before I got into all of this juggling around (I thought it must be that considering IOS sees the card and ROMMON doesn't).
I upgraded to:
ROMMON: System Bootstrap, Version 12.4(13r)T11, RELEASE SOFTWARE (fc1)
Which AFAIK...
got the exact same issue on 2821, 1GB original Cisco card from Amazon. IOS would recognize it, rommon would not.
I tried re-partitioning, re-formatting and erasing on the very same router in IOS (booted from a a different card). It would always lead ...