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Carolina Panthers star Greg Hardy told a 911 operator his girlfriend attacked him with a high-heeled shoe early Tuesday morning ... making him bleed ... and says he thinks she may have been on cocaine at the time.

TMZ Sports obtained a copy of the 911 call -- in which Hardy sounds panicked and says his girlfriend refuses to leave his North Carolina apartment.

Hardy says his GF kicked him and scratched him -- striking him twice in the face -- and drawing blood.

"I think she's on coke or something," Hardy says ... noting she may also have been drinking.

Cops arrived to the scene a short time later and HARDY -- not his GF -- was arrested for domestic violence.